Synchrony Financial (SYF) EBT Margin (2013 - 2026)

Synchrony Financial (SYF) has reported EBT Margin for 14 consecutive years, with 24.62% the latest figure, recorded in Q2 2026.

• For the quarter ending Q2 2026, EBT Margin fell 223.0% year-over-year to 24.62%; the trailing twelve-month figure through Jun 2026 stood at 23.66% (up 113.0% YoY), and the FY2025 full-year result was 24.12%, up 80.0% from the prior year.
• EBT Margin improved to 24.62% in Q2 2026 per SYF's latest filing, from 21.58% in the prior quarter.
• Across five years, EBT Margin topped out at 31.18% in Q1 2022 and bottomed at 11.5% in Q4 2023.
• Historically, EBT Margin has averaged 22.07% across 5 years, with a median of 21.34% in 2024.
• The sharpest annual moves came in 2022 and 2024: EBT Margin sank 2076 bps in 2022, then surged 1206 bps in 2024.
• Over 5 years, EBT Margin stood at 17.32% in 2022, then sank by 34 bps to 11.5% in 2023, then soared by 79 bps to 20.61% in 2024, then retreated by 7 bps to 19.21% in 2025, then rose by 28 bps to 24.62% in 2026.
• According to Business Quant data, EBT Margin over the past three periods registered 24.62%, 21.58%, and 19.21% for Q2 2026, Q1 2026, and Q4 2025 respectively.