Synchrony Financial (SYF) Return on Equity [ROE] (2013 - 2026)
Synchrony Financial (SYF) posted Return on Equity [ROE] of 19.93% for Q3 2026, down 1.09 percentage points from 21.02% a year earlier and down 1.15 percentage points from the prior quarter.
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Analysis
Synchrony Financial (SYF) Return on Equity [ROE] (2013 - 2026) Analysis & Trends
For FY2025, Synchrony Financial's Return on Equity [ROE] came in at 21.30%, down 1.65 percentage points from FY2024.
- Annual Return on Equity [ROE] shows a five-year change of +11.34 percentage points (FY2020 to FY2025).
- In prior years, Synchrony Financial's Return on Equity [ROE] was 22.96% in FY2024 (+6.24 pp), 16.72% in FY2023 (-6.02 pp), 22.74% in FY2022 (-9.29 pp) and 32.03% in FY2021 (+22.06 pp).
- The Q3 2026 figure stands as the lowest quarterly Return on Equity [ROE] since Q2 2025.
- On a year-over-year basis, Return on Equity [ROE] increased in five of the last eight quarters, with an average year-over-year change of +0.98 percentage points.
- The strongest year-over-year quarter for Return on Equity [ROE] in the past five years was Q4 2021, with a gain of 19.43 percentage points; the weakest was Q1 2023, with a drop of 9.89 percentage points.
- According to Business Quant data, Return on Equity [ROE] for the three prior quarters was 21.08% (Q2 2026), 21.66% (Q1 2026) and 21.00% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROE (Qtr) |
|---|---|---|---|---|---|
| 1 | Royalty Pharma | 39.80 Bn | 40.13 Bn | - | 11.98% |
| 2 | Rocket Companies | 38.90 Bn | 27.72 Bn | - | 5.45% |
| 3 | Orix | 38.66 Bn | 9.30 Bn | 13.83 Bn | 21.12% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.46 Bn | -16,107.65 Bn | - | 13.05% |
| 5 | Synchrony Financial | 22.47 Bn | -45.15 Bn | - | 19.93% |
| 6 | Affirm Holdings | 22.07 Bn | 15.11 Bn | - | 35.93% |
| 7 | Royal Gold | 21.71 Bn | 20.92 Bn | 402.46 Mn | 10.92% |
| 8 | Ares Capital | 13.84 Bn | 11.59 Bn | - | - |
| 9 | Annaly Capital Management | 13.83 Bn | 4.86 Bn | - | 6.91% |
| 10 | Federal Home Loan Mortgage | 12.64 Bn | -328.33 Bn | - | 13.34% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 19.93% |
| Jun 30, 2026 | 21.08% |
| Mar 31, 2026 | 21.66% |
| Dec 31, 2025 | 21.00% |
| Sep 30, 2025 | 21.02% |
| Jun 30, 2025 | 19.60% |
| Mar 31, 2025 | 17.87% |
| Dec 31, 2024 | 21.49% |
| Sep 30, 2024 | 20.08% |
| Jun 30, 2024 | 19.49% |
| Mar 31, 2024 | 20.08% |
| Dec 31, 2023 | 16.18% |
| Sep 30, 2023 | 17.50% |
| Jun 30, 2023 | 18.44% |
| Mar 31, 2023 | 20.60% |
| Dec 31, 2022 | 23.30% |
| Sep 30, 2022 | 24.63% |
| Jun 30, 2022 | 27.53% |
| Mar 31, 2022 | 30.50% |
| Dec 31, 2021 | 30.60% |
API Access
Synchrony Financial Return on Equity [ROE] 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-equity-%5Broe%5D&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-equity-[roe]", "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-equity-%5Broe%5D&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();