Synchrony Financial (SYF) EBT Margin (2013 - 2026)
Synchrony Financial's EBT Margin was 24.03% in Q3 2026, down 5.45 percentage points from 29.48% a year earlier and down 0.96 percentage points from the prior quarter.
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Analysis
Synchrony Financial (SYF) EBT Margin (2013 - 2026) Analysis & Trends
On a trailing twelve-month basis, Synchrony Financial's EBT Margin was 22.61% through Sep 30, 2026, down 2.06 percentage points year-over-year; for FY2025, it came in at 24.34%, up 1.03 percentage points from FY2024.
- EBT Margin shows a five-year change of +12.20 percentage points (FY2020 to FY2025).
- In earlier years, EBT Margin was 23.31% in FY2024 (+6.51 pp), 16.80% in FY2023 (-7.96 pp), 24.75% in FY2022 (-12.63 pp) and 37.38% in FY2021 (+25.25 pp).
- Quarterly EBT Margin has moved between 11.88% (Q4 2023) and 31.64% (Q1 2022) over five years.
- Compared with a year earlier, EBT Margin was higher in four of the last eight quarters, with an average year-over-year change of +0.93 percentage points.
- The best year-over-year quarter for EBT Margin over five years was Q1 2024 (a gain of 11.51 percentage points); the worst was Q2 2022 (a drop of 21.60 percentage points).
- Per Business Quant data, SYF's EBT Margin in the three quarters before Q3 2026 was 24.99% (Q2 2026), 21.96% (Q1 2026) and 19.48% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | 18.79% |
| 2 | Rocket Companies | 35.89 Bn | 35.89 Bn | - | - |
| 3 | Royalty Pharma | 29.95 Bn | 26.91 Bn | - | 12.09% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 61.04% |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 14.50% |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 24.03% |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 65.65% |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | -114.70% |
| 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 | 24.03% |
| Jun 30, 2026 | 24.99% |
| Mar 31, 2026 | 21.96% |
| Dec 31, 2025 | 19.48% |
| Sep 30, 2025 | 29.48% |
| Jun 30, 2025 | 27.07% |
| Mar 31, 2025 | 21.33% |
| Dec 31, 2024 | 20.61% |
| Sep 30, 2024 | 21.74% |
| Jun 30, 2024 | 18.66% |
| Mar 31, 2024 | 30.71% |
| Dec 31, 2023 | 11.88% |
| Sep 30, 2023 | 18.70% |
| Jun 30, 2023 | 17.75% |
| Mar 31, 2023 | 19.19% |
| Dec 31, 2022 | 17.92% |
| Sep 30, 2022 | 23.21% |
| Jun 30, 2022 | 26.65% |
| Mar 31, 2022 | 31.64% |
| Dec 31, 2021 | 26.19% |
API Access
Synchrony Financial EBT 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=ebt-margin&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-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=ebt-margin&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();