Synchrony Financial (SYF) EBITDA (2013 - 2026)

Synchrony Financial (SYF) reported EBITDA of $2.0 billion for Q1 2026, down 2.66% on a YoY basis from $2.1 billion in Q1 2025, and up 4.68% quarter-over-quarter from $1.9 billion in Q4 2025.

Synchrony Financial (SYF) EBITDA (2013 - 2026) Analysis & Trends

Synchrony Financial has reported EBITDA for 14 years, with the latest figure at $2.0 billion in Q1 2026.

  • For the quarter ending Q1 2026, EBITDA fell 2.66% year-over-year to $2.0 billion; the trailing twelve-month figure through Mar 2026 stood at $8.7 billion (up 3.76% YoY), and the FY2025 full-year result was $8.8 billion, down 4.69% from the prior year.
  • EBITDA for Q1 2026 stood at $2.0 billion, up from $1.9 billion in the prior quarter.
  • The five-year high for EBITDA was $2.9 billion in Q1 2024, with the low at $891.0 million in Q1 2023.
  • Historically, EBITDA has averaged $1.8 billion across 5 years, with a median of $2.0 billion in 2026.
  • Annual changes were most pronounced in 2022 — EBITDA plunged 42.41% — and 2024, when it surged 222.22%.
  • Synchrony Financial's EBITDA stood at $2.0 billion in 2022, then fell by 20.37% to $1.6 billion in 2023, then gained by 28.91% to $2.1 billion in 2024, then declined by 7.94% to $1.9 billion in 2025, then climbed by 4.68% to $2.0 billion in 2026.
  • The last three EBITDA figures came in at $2.0 billion (Q1 2026), $1.9 billion (Q4 2025), and $2.4 billion (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBITDA (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 7.23 Bn
2 Mastercard 437.55 Bn 427.34 Bn - 4.91 Bn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 3.55 Bn
4 Capital One Financial 112.47 Bn 35.97 Bn - 6.79 Bn
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 1.49 Bn
6 Synchrony Financial 24.26 Bn 3.70 Bn - 2.02 Bn
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 96.25 Mn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 153.01 Mn
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 332.00 Mn
10 Credit Acceptance 6.24 Bn 6.21 Bn 562.70 Mn 139.80 Mn

Historic Data

Download Data
DateValue
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 891.00 Mn
Dec 31, 2022 2.04 Bn
Sep 30, 2022 1.00 Bn
Jun 30, 2022 1.14 Bn
Mar 31, 2022 1.31 Bn
Dec 31, 2021 1.12 Bn
Sep 30, 2021 1.74 Bn
Jun 30, 2021 1.72 Bn