Synchrony Financial reported a net margin of 17.93% for the quarter ended Jun 2026. These financial ratios cover 53 quarters of results from Jun 2013 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Jun2013 | Sep2013 | Dec2013 | Mar2014 | Jun2014 | Sep2014 | Dec2014 | Mar2015 | Jun2015 | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| EBT Margin | 39.42% | 26.01% | 31.18% | 26.65% | 22.45% | 17.32% | 18.65% | 17.19% | 18.30% | 11.50% | 30.71% | 18.44% | 21.52% | 20.61% | 21.17% | 26.84% | 29.29% | 19.21% | 21.58% | 24.62% | |||||||||||||||||||||||||||||||||
| EBIT Margin | 45.73% | 31.54% | 37.07% | 33.45% | 32.53% | 31.39% | 36.00% | 38.06% | 40.10% | 34.60% | 51.62% | 44.17% | 46.14% | 44.30% | 44.53% | 49.60% | 50.01% | 38.85% | 41.54% | 44.85% | |||||||||||||||||||||||||||||||||
| EBITDA Margin | 45.73% | 31.54% | 37.07% | 33.45% | 32.53% | 31.39% | 36.00% | 38.06% | 40.10% | 34.60% | 51.62% | 44.17% | 46.14% | 44.30% | 44.53% | 49.60% | 50.01% | 38.85% | 41.54% | 44.85% | |||||||||||||||||||||||||||||||||
| Net Margin | 29.70% | 19.95% | 23.31% | 19.83% | 16.85% | 13.25% | 13.93% | 12.95% | 13.58% | 9.15% | 23.05% | 13.64% | 16.08% | 15.95% | 15.83% | 20.22% | 21.66% | 14.73% | 16.16% | 17.93% | |||||||||||||||||||||||||||||||||
| FCF Margin | 47.70% | 49.78% | 35.30% | 45.43% | 39.79% | 43.16% | 44.52% | 44.20% | 54.54% | 49.42% | 40.42% | 54.28% | 57.84% | 49.85% | 47.32% | 54.71% | 54.05% | 49.53% | 45.00% | 50.23% | |||||||||||||||||||||||||||||||||
| Efficiency | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 91.98B | 93.84B | 95.51B | 95.23B | 97.98B | 102.67B | 106.21B | 108.28B | 110.82B | 115.21B | 119.33B | 120.83B | 119.86B | 119.35B | 120.74B | 121.27B | 118.74B | 118.04B | 120.30B | 121.72B | |||||||||||||||||||||||||||||||||
| Invested CapitalInvested Cap. | 26.70B | 28.16B | 26.78B | 25.55B | 27.33B | 27.06B | 28.13B | 27.61B | 29.00B | 29.89B | 31.41B | 31.18B | 31.61B | 32.04B | 33.59B | 32.96B | 31.50B | 31.95B | 32.91B | 33.33B | |||||||||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.16 | 0.16 | 0.16 | 0.17 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.15 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | |||||||||||||||||||||||||||||||||
| Leverage & Solvency | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 7.25 | 5.70 | 6.29 | 4.92 | 3.23 | 2.23 | 2.07 | 1.82 | 1.84 | 1.50 | 2.47 | 1.72 | 1.87 | 1.87 | 1.91 | 2.18 | 2.41 | 1.98 | 2.08 | 2.22 | |||||||||||||||||||||||||||||||||
| Debt Ratio | 0.14 | 0.15 | 0.14 | 0.13 | 0.14 | 0.14 | 0.14 | 0.13 | 0.13 | 0.14 | 0.13 | 0.13 | 0.13 | 0.13 | 0.14 | 0.13 | 0.12 | 0.13 | 0.14 | 0.13 | |||||||||||||||||||||||||||||||||
| Times Interest Earned | 7.25 | 5.70 | 6.29 | 4.92 | 3.23 | 2.23 | 2.07 | 1.82 | 1.84 | 1.50 | 2.47 | 1.72 | 1.87 | 1.87 | 1.91 | 2.18 | 2.41 | 1.98 | 2.08 | 2.22 | |||||||||||||||||||||||||||||||||
| Dividends & Payouts | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | 9.11 | 6.69 | 8.09 | 7.34 | 6.35 | 5.50 | 5.90 | 5.65 | 5.94 | 4.17 | 12.57 | 6.24 | 7.76 | 7.76 | 7.59 | 8.30 | 9.61 | 6.89 | 7.54 | 8.64 | |||||||||||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | 0.07 | 0.06 | 0.08 | 0.06 | 0.07 | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | |||||||||||||||||||||||||||||||||
| Payout Ratio | 0.11 | 0.15 | 0.12 | 0.14 | 0.16 | 0.18 | 0.17 | 0.18 | 0.17 | 0.24 | 0.08 | 0.16 | 0.13 | 0.13 | 0.13 | 0.12 | 0.10 | 0.15 | 0.13 | 0.12 | |||||||||||||||||||||||||||||||||
| Return Ratios | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 45.73% | 31.54% | 37.07% | 33.45% | 32.53% | 31.39% | 36.00% | 38.06% | 40.10% | 34.60% | 51.62% | 44.17% | 46.14% | 44.30% | 44.53% | 49.60% | 50.01% | 38.85% | 41.54% | 44.85% | |||||||||||||||||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 18.49% | 18.27% | 17.69% | 16.92% | 15.59% | 15.35% | 15.32% | 16.09% | 17.12% | 17.32% | 19.91% | 20.40% | 21.34% | 22.18% | 19.77% | 20.23% | 21.32% | 21.22% | 20.62% | 19.66% | |||||||||||||||||||||||||||||||||
| Return on Assets [ROA]ROA | 4.51% | 4.50% | 4.32% | 3.87% | 3.32% | 2.94% | 2.53% | 2.26% | 2.14% | 1.94% | 2.46% | 2.49% | 2.64% | 2.93% | 2.45% | 2.71% | 3.01% | 3.01% | 2.99% | 2.89% |