Synchrony Financial (SYF) Return on Assets [ROA] (2014 - 2026)
Synchrony Financial (SYF) recorded Return on Assets [ROA] of 2.89% in Q2 2026, up 0.18 percentage points from 2.71% a year earlier but down 0.10 percentage points from the prior quarter.
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Analysis
Synchrony Financial (SYF) Return on Assets [ROA] (2014 - 2026) Analysis & Trends
For FY2025, Synchrony Financial reported Return on Assets [ROA] of 2.98%, up 0.02 percentage points from FY2024.
- Annual Return on Assets [ROA] has a five-year change of +1.60 percentage points (FY2020 to FY2025).
- Across earlier years, Return on Assets [ROA] came in at 2.95% in FY2024 (+0.94 pp), 2.02% in FY2023 (-1.00 pp), 3.01% in FY2022 (-1.39 pp) and 4.40% in FY2021 (+3.02 pp).
- Quarterly Return on Assets [ROA] has ranged from 1.94% in Q4 2023 to 4.51% in Q3 2021 over the past five years.
- On a year-over-year basis, Return on Assets [ROA] has increased for five consecutive quarters, with an average year-over-year change of +0.36 percentage points over the last eight quarters.
- Peak year-over-year performance for Return on Assets [ROA] in the last five years was a gain of 3.07 percentage points in Q3 2021, against a drop of 1.79 percentage points in Q1 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 2.99% (Q1 2026), 3.01% (Q4 2025) and 3.01% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 0.78% |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 3.57% |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 6.81% |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 13.34% |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 2.89% |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | 0.35% |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 7.87% |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | 2.11% |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | 0.37% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.89% |
| Mar 31, 2026 | 2.99% |
| Dec 31, 2025 | 3.01% |
| Sep 30, 2025 | 3.01% |
| Jun 30, 2025 | 2.71% |
| Mar 31, 2025 | 2.45% |
| Dec 31, 2024 | 2.93% |
| Sep 30, 2024 | 2.64% |
| Jun 30, 2024 | 2.49% |
| Mar 31, 2024 | 2.46% |
| Dec 31, 2023 | 1.94% |
| Sep 30, 2023 | 2.14% |
| Jun 30, 2023 | 2.26% |
| Mar 31, 2023 | 2.53% |
| Dec 31, 2022 | 2.94% |
| Sep 30, 2022 | 3.32% |
| Jun 30, 2022 | 3.87% |
| Mar 31, 2022 | 4.32% |
| Dec 31, 2021 | 4.50% |
| Sep 30, 2021 | 4.51% |
API Access
Synchrony Financial Return on Assets [ROA] 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=return-on-assets-%5Broa%5D&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "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=return-on-assets-%5Broa%5D&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();