Synchrony Financial (SYF) EBITDA (2013 - 2026)
Synchrony Financial's (SYF) quarterly EBITDA came in at $2.2 billion in Q2 2026, down 6.89% on a YoY basis from $2.3 billion in Q2 2025, and up 7.25% quarter-over-quarter from $2.0 billion in Q1 2026.
Analysis
Synchrony Financial (SYF) EBITDA (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported EBITDA for 14 consecutive years, with $2.2 billion the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, EBITDA fell 6.89% year-over-year to $2.2 billion; the trailing twelve-month figure through Jun 2026 stood at $8.5 billion (down 1.67% YoY), and the FY2025 full-year result was $8.8 billion, down 4.69% from the prior year.
- EBITDA improved to $2.2 billion in Q2 2026 per SYF's latest filing, from $2.0 billion in the prior quarter.
- Across five years, EBITDA topped out at $2.9 billion in Q1 2024 and bottomed at $1.3 billion in Q3 2022.
- Historically, EBITDA has averaged $1.9 billion across 5 years, with a median of $2.0 billion in 2025.
- The sharpest annual moves came in 2022 and 2024: EBITDA declined 29.84% in 2022, then jumped 88.26% in 2024.
- Over 5 years, EBITDA stood at $1.3 billion in 2022, then climbed by 20.77% to $1.6 billion in 2023, then climbed by 28.91% to $2.1 billion in 2024, then retreated by 7.94% to $1.9 billion in 2025, then increased by 12.26% to $2.2 billion in 2026.
- According to Business Quant data, EBITDA over the past three periods registered $2.2 billion, $2.0 billion, and $1.9 billion for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.16 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 147.26 Mn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 127.00 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 150.50 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 349.70 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 237.15 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 474.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 350.46 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 54.82 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 599.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.16 Bn |
| Mar 31, 2026 | 2.02 Bn |
| Dec 31, 2025 | 1.93 Bn |
| Sep 30, 2025 | 2.44 Bn |
| Jun 30, 2025 | 2.32 Bn |
| Mar 31, 2025 | 2.07 Bn |
| Dec 31, 2024 | 2.09 Bn |
| Sep 30, 2024 | 2.20 Bn |
| Jun 30, 2024 | 2.02 Bn |
| Mar 31, 2024 | 2.87 Bn |
| Dec 31, 2023 | 1.62 Bn |
| Sep 30, 2023 | 1.83 Bn |
| Jun 30, 2023 | 1.64 Bn |
| Mar 31, 2023 | 1.53 Bn |
| Dec 31, 2022 | 1.34 Bn |
| Sep 30, 2022 | 1.34 Bn |
| Jun 30, 2022 | 1.34 Bn |
| Mar 31, 2022 | 1.47 Bn |
| Dec 31, 2021 | 1.27 Bn |
| Sep 30, 2021 | 1.74 Bn |