Synchrony Financial (SYF) Return on Assets [ROA] (2014 - 2026)
Synchrony Financial (SYF) recorded Return on Assets [ROA] of 2.73% in Q3 2026, down 0.28 percentage points from 3.01% a year earlier and down 0.16 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).
- The Q3 2026 figure is the lowest quarterly Return on Assets [ROA] since Q2 2025.
- On a year-over-year basis, Return on Assets [ROA] rose in six of the last eight quarters, with an average year-over-year change of +0.26 percentage points.
- Peak year-over-year performance for Return on Assets [ROA] in the last five years was a gain of 3.05 percentage points in Q4 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 2.89% (Q2 2026), 2.99% (Q1 2026) and 3.01% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 42.08 Bn | 30.90 Bn | - | 2.15% |
| 2 | Orix | 40.23 Bn | 9.45 Bn | 12.74 Bn | 3.64% |
| 3 | Royalty Pharma | 38.80 Bn | 39.13 Bn | - | 5.97% |
| 4 | Federal National Mortgage Association Fannie Mae | 24.88 Bn | 24.88 Bn | - | 0.36% |
| 5 | Affirm Holdings | 23.61 Bn | 16.66 Bn | - | 12.48% |
| 6 | Synchrony Financial | 23.04 Bn | -44.59 Bn | - | 2.73% |
| 7 | Royal Gold | 22.12 Bn | 21.35 Bn | 390.45 Mn | 7.87% |
| 8 | Annaly Capital Management | 14.78 Bn | 5.81 Bn | - | 0.78% |
| 9 | Ares Capital | 13.97 Bn | 11.72 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 12.45 Bn | -6.23 Bn | - | 0.38% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.73% |
| 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% |
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();