Synchrony Financial (SYF) Return on Sales [ROS] (2013 - 2026)
Synchrony Financial (SYF) recorded Return on Sales [ROS] of 43.96% in Q3 2026, down 6.38 percentage points from 50.34% a year earlier and down 1.59 percentage points from the prior quarter.
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Analysis
Synchrony Financial (SYF) Return on Sales [ROS] (2013 - 2026) Analysis & Trends
On a TTM basis, Synchrony Financial's Return on Sales [ROS] came in at 42.77% as of Sep 30, 2026, down 4.64 percentage points year-over-year; for FY2025, it was 46.12%, down 0.92 percentage points from FY2024.
- Annual Return on Sales [ROS] has a five-year change of +22.74 percentage points (FY2020 to FY2025).
- Across earlier years, Return on Sales [ROS] came in at 47.04% in FY2024 (+8.77 pp), 38.26% in FY2023 (+4.01 pp), 34.26% in FY2022 (-10.14 pp) and 44.40% in FY2021 (+21.01 pp).
- Quarterly Return on Sales [ROS] has ranged from 31.77% in Q4 2021 to 51.62% in Q1 2024 over the past five years.
- On a year-over-year basis, Return on Sales [ROS] has declined for four consecutive quarters, with an average year-over-year change of -0.94 percentage points over the last eight quarters.
- Peak year-over-year performance for Return on Sales [ROS] in the last five years was a gain of 14.57 percentage points in Q1 2024, against a drop of 22.62 percentage points in Q2 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 45.54% (Q2 2026), 42.26% (Q1 2026) and 39.39% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROS (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 42.82 Bn | 31.64 Bn | - | 40.10% |
| 2 | Orix | 38.85 Bn | 7.58 Bn | 12.74 Bn | 6.19% |
| 3 | Royalty Pharma | 30.02 Bn | 27.40 Bn | - | 59.53% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.05 Bn | 26.05 Bn | - | 467.76% |
| 5 | Synchrony Financial | 23.55 Bn | -44.08 Bn | - | 43.96% |
| 6 | Affirm Holdings | 23.27 Bn | 16.32 Bn | - | 14.82% |
| 7 | Royal Gold | 22.53 Bn | 21.71 Bn | 390.45 Mn | 62.13% |
| 8 | Annaly Capital Management | 14.32 Bn | 5.27 Bn | - | 51.56% |
| 9 | Ares Capital | 13.77 Bn | 11.52 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 12.90 Bn | -5.77 Bn | - | 487.58% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 43.96% |
| Jun 30, 2026 | 45.54% |
| Mar 31, 2026 | 42.26% |
| Dec 31, 2025 | 39.39% |
| Sep 30, 2025 | 50.34% |
| Jun 30, 2025 | 50.03% |
| Mar 31, 2025 | 44.87% |
| Dec 31, 2024 | 44.30% |
| Sep 30, 2024 | 46.62% |
| Jun 30, 2024 | 44.69% |
| Mar 31, 2024 | 51.62% |
| Dec 31, 2023 | 35.75% |
| Sep 30, 2023 | 40.97% |
| Jun 30, 2023 | 39.30% |
| Mar 31, 2023 | 37.05% |
| Dec 31, 2022 | 32.47% |
| Sep 30, 2022 | 33.64% |
| Jun 30, 2022 | 33.45% |
| Mar 31, 2022 | 37.62% |
| Dec 31, 2021 | 31.77% |
API Access
Synchrony Financial Return on Sales [ROS] 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-sales-%5Bros%5D&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-sales-[ros]", "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-sales-%5Bros%5D&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();