Synchrony Financial (SYF) EBIT Margin (2013 - 2026)
Synchrony Financial posted quarterly EBIT Margin of 42.26% for Q1 2026, down 261.0% year-on-year from 26.25% in Q1 2025, and up 7.29% on a QoQ basis from 39.39% in Q4 2025.
Synchrony Financial (SYF) EBIT Margin (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has 14 years of EBIT Margin data on file, last reported at 42.26% in Q1 2026.
- For the quarter ending Q1 2026, EBIT Margin fell 261.0% year-over-year to 42.26%; the trailing twelve-month figure through Mar 2026 stood at 45.46% (up 33.0% YoY), and the FY2025 full-year result was 46.12%, down 92.0% from the prior year.
- EBIT Margin for Q1 2026 stood at 42.26%, up from 39.39% in the prior quarter.
- Across five years, EBIT Margin topped out at 59.18% in Q4 2022 and bottomed at 18.76% in Q1 2023.
- The 5-year median for EBIT Margin is 42.26% (2026), against an average of 40.63%.
- The widest annual swing landed in 2023, when EBIT Margin sank 2343 bps; it then soared 3286 bps in 2024.
- A 5-year view of EBIT Margin shows it stood at 59.18% in 2022, then sank by 40 bps to 35.75% in 2023, then climbed by 24 bps to 44.3% in 2024, then decreased by 11 bps to 39.39% in 2025, then rose by 7 bps to 42.26% in 2026.
- The last three EBIT Margin figures came in at 42.26% (Q1 2026), 39.39% (Q4 2025), and 50.34% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 64.42% |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 58.43% |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 44.55% |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 17.81% |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 26.44% |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 42.26% |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 3.39% |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 35.49% |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 24.11% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 42.26% |
| Dec 31, 2025 | 39.39% |
| Sep 30, 2025 | 50.34% |
| Jun 30, 2025 | 50.03% |
| Mar 31, 2025 | 44.87% |
| Dec 31, 2024 | 44.30% |
| Sep 30, 2024 | 46.62% |
| Jun 30, 2024 | 44.69% |
| Mar 31, 2024 | 51.62% |
| Dec 31, 2023 | 35.75% |
| Sep 30, 2023 | 40.97% |
| Jun 30, 2023 | 39.30% |
| Mar 31, 2023 | 18.76% |
| Dec 31, 2022 | 59.18% |
| Sep 30, 2022 | 23.27% |
| Jun 30, 2022 | 27.10% |
| Mar 31, 2022 | 32.19% |
| Dec 31, 2021 | 26.95% |
| Sep 30, 2021 | 46.38% |
| Jun 30, 2021 | 47.81% |