Synchrony Financial (SYF) EBT (2013 - 2026)
Synchrony Financial's EBT was $1.19 billion in Q2 2026, down 5.6% from $1.26 billion a year earlier but up 13.3% from the prior quarter.
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Analysis
Synchrony Financial (SYF) EBT (2013 - 2026) Analysis & Trends
On a trailing twelve-month basis, Synchrony Financial's EBT was $4.61 billion through Jun 30, 2026, up 8.8% year-over-year; for FY2025, it came in at $4.62 billion, up 1.5% from FY2024.
- EBT shows a five-year compound annual growth rate of 20.8% (FY2020 to FY2025).
- In earlier years, EBT was $4.55 billion in FY2024 (+56.8%), $2.9 billion in FY2023 (-26.7%), $3.96 billion in FY2022 (-28.0%) and $5.5 billion in FY2021 (+206.2%).
- Quarterly EBT has moved between $539 million (Q4 2023) and $1.71 billion (Q1 2024) over five years.
- Compared with a year earlier, EBT was higher in five of the last eight quarters, with growth averaging 18.5%.
- The best year-over-year quarter for EBT over five years was Q3 2021 (growth of 264.1%); the worst was Q1 2025 (a decline of 42.4%).
- Per Business Quant data, SYF's EBT in the three quarters before Q2 2026 was $1.05 billion (Q1 2026), $952 million (Q4 2025) and $1.43 billion (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 281.00 Mn |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 2.55 Bn |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 81.49 Mn |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 169.09 Mn |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 1.19 Bn |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | 4.99 Bn |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 295.80 Mn |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | 834.67 Mn |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | 4.77 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.19 Bn |
| Mar 31, 2026 | 1.05 Bn |
| Dec 31, 2025 | 952.00 Mn |
| Sep 30, 2025 | 1.43 Bn |
| Jun 30, 2025 | 1.26 Bn |
| Mar 31, 2025 | 984.00 Mn |
| Dec 31, 2024 | 973.00 Mn |
| Sep 30, 2024 | 1.03 Bn |
| Jun 30, 2024 | 844.00 Mn |
| Mar 31, 2024 | 1.71 Bn |
| Dec 31, 2023 | 539.00 Mn |
| Sep 30, 2023 | 833.00 Mn |
| Jun 30, 2023 | 742.00 Mn |
| Mar 31, 2023 | 790.00 Mn |
| Dec 31, 2022 | 741.00 Mn |
| Sep 30, 2022 | 922.00 Mn |
| Jun 30, 2022 | 1.07 Bn |
| Mar 31, 2022 | 1.23 Bn |
| Dec 31, 2021 | 1.05 Bn |
| Sep 30, 2021 | 1.50 Bn |
API Access
Synchrony Financial EBT 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=ebt&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt", "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=ebt&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();