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
DateValue
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%