Synchrony Financial (SYF) EBITDA Margin (2013 - 2026)
Synchrony Financial (SYF) reported EBITDA Margin of 47.01% for Q3 2026, down 5.97 percentage points from 52.98% a year earlier and down 1.59 percentage points from the prior quarter.
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Analysis
Synchrony Financial (SYF) EBITDA Margin (2013 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Synchrony Financial's EBITDA Margin came in at 45.76%, down 4.28 percentage points year-over-year; for FY2025, it was 48.83%, down 0.67 percentage points from FY2024.
- EBITDA Margin has a five-year change of +22.86 percentage points (FY2020 to FY2025).
- By year, EBITDA Margin came in at 49.50% in FY2024 (+8.59 pp), 40.91% in FY2023 (+4.04 pp), 36.88% in FY2022 (-10.17 pp) and 47.04% in FY2021 (+21.08 pp).
- Five-year quarterly EBITDA Margin spans a low of 34.40% in Q4 2021 and a high of 53.76% in Q1 2024.
- Year over year, EBITDA Margin has now declined in each of the last four quarters, with an average year-over-year change of -0.69 percentage points over the last eight quarters.
- The high point for year-over-year EBITDA Margin in five years was Q1 2024 (a gain of 14.01 percentage points); the low point was Q2 2022 (a drop of 22.82 percentage points).
- Per Business Quant data, the three quarters before Q3 2026 came in at 48.60% (Q2 2026), 45.26% (Q1 2026) and 42.23% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | - |
| 2 | Rocket Companies | 35.89 Bn | 35.89 Bn | - | - |
| 3 | Royalty Pharma | 29.95 Bn | 26.91 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 20.76% |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 47.01% |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 83.49% |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | 52.57% |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 47.01% |
| Jun 30, 2026 | 48.60% |
| Mar 31, 2026 | 45.26% |
| Dec 31, 2025 | 42.23% |
| Sep 30, 2025 | 52.98% |
| Jun 30, 2025 | 52.66% |
| Mar 31, 2025 | 47.58% |
| Dec 31, 2024 | 46.84% |
| Sep 30, 2024 | 49.18% |
| Jun 30, 2024 | 47.37% |
| Mar 31, 2024 | 53.76% |
| Dec 31, 2023 | 38.35% |
| Sep 30, 2023 | 43.58% |
| Jun 30, 2023 | 42.00% |
| Mar 31, 2023 | 39.75% |
| Dec 31, 2022 | 34.91% |
| Sep 30, 2022 | 36.28% |
| Jun 30, 2022 | 36.10% |
| Mar 31, 2022 | 40.36% |
| Dec 31, 2021 | 34.40% |
API Access
Synchrony Financial EBITDA Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebitda-margin&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-margin", "ticker": "SYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebitda-margin&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();