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

Synchrony Financial (SYF) has 14 years of Net Margin data on file, last reported at 17.93% in Q2 2026.

• Quarterly Net Margin fell 229.0% year-over-year to 17.93% in Q2 2026, while the trailing twelve-month figure through Jun 2026 was 17.61% (up 60.0% YoY) and the FY2025 annual result came in at 18.13%, up 56.0% from the prior year.
• Net Margin rose to 17.93% in Q2 2026, from 16.16% in the prior quarter.
• In the past five years, Net Margin ranged from a high of 23.31% in Q1 2022 to a low of 9.15% in Q4 2023.
• A 5-year average of 16.56% and a median of 16.02% in 2024 frame the typical range for Net Margin.
• Annual changes were most pronounced in 2022 — Net Margin plunged 1577 bps — and 2024, when it jumped 912 bps.
• Tracing SYF's Net Margin over 5 years: stood at 13.25% in 2022, then tumbled by 31 bps to 9.15% in 2023, then jumped by 74 bps to 15.95% in 2024, then dropped by 8 bps to 14.73% in 2025, then increased by 22 bps to 17.93% in 2026.
• The last three Net Margin figures came in at 17.93% (Q2 2026), 16.16% (Q1 2026), and 14.73% (Q4 2025), per Business Quant data.