Synchrony Financial (SYF) Net Margin (2013 - 2026)
Synchrony Financial's (SYF) quarterly Net Margin came in at 17.93% in Q2 2026, down 229.0% on a YoY basis from 13.9% in Q2 2025, and up 10.96% quarter-over-quarter from 16.16% in Q1 2026.
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Synchrony Financial (SYF) Net Margin (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported Net Margin for 14 consecutive years, with 17.93% the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Net Margin fell 229.0% year-over-year to 17.93%; the trailing twelve-month figure through Jun 2026 stood at 17.61% (up 60.0% YoY), and the FY2025 full-year result was 18.1%, up 56.0% from the prior year.
- Net Margin climbed to 17.93% in Q2 2026 per SYF's latest filing, from 16.16% in the prior quarter.
- Across five years, Net Margin topped out at 23.31% in Q1 2022 and bottomed at 9.15% in Q4 2023.
- Historically, Net Margin has averaged 16.56% across 5 years, with a median of 16.02% in 2024.
- The sharpest annual moves came in 2022 and 2024: Net Margin sank 1577 bps in 2022, then surged 912 bps in 2024.
- Over 5 years, Net Margin stood at 13.25% in 2022, then sank by 31 bps to 9.15% in 2023, then soared by 74 bps to 15.95% in 2024, then fell by 8 bps to 14.73% in 2025, then gained by 22 bps to 17.93% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 17.93%, 16.16%, and 14.73% for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 17.93% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 138.65% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 8.70% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 23.14% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 13.03% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 11.31% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 14.50% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.00% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 9.19% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 14.12% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 17.93% |
| Mar 31, 2026 | 16.16% |
| Dec 31, 2025 | 14.73% |
| Sep 30, 2025 | 21.66% |
| Jun 30, 2025 | 20.22% |
| Mar 31, 2025 | 15.83% |
| Dec 31, 2024 | 15.95% |
| Sep 30, 2024 | 16.08% |
| Jun 30, 2024 | 13.64% |
| Mar 31, 2024 | 23.05% |
| Dec 31, 2023 | 9.15% |
| Sep 30, 2023 | 13.58% |
| Jun 30, 2023 | 12.95% |
| Mar 31, 2023 | 13.93% |
| Dec 31, 2022 | 13.25% |
| Sep 30, 2022 | 16.85% |
| Jun 30, 2022 | 19.83% |
| Mar 31, 2022 | 23.31% |
| Dec 31, 2021 | 19.95% |
| Sep 30, 2021 | 29.70% |