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Synchrony Financial profit margin SYF

Gross, operating and net profit as a share of revenue over the last twelve months, from 2013.

Net margin, 12 months
18.3%
Net margin on a year earlier
+0.7 pts
Peer median
11.0%

Over the twelve months to Jun 30, 2026, Synchrony Financial kept 18.3% of its revenue as net profit.

Five years earlier its net margin was 23.2%.

The median for 10 credit services stocks of a similar size is 11.0%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202518.7%
FY202417.9%
FY202312.9%
FY202218.8%
FY202128.7%
FY20209.4%
FY201921.8%
FY201817.0%
FY201712.6%
FY201616.2%
FY201517.7%
FY201417.9%
FY201317.9%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2618.3%+0.7 pts
Q1 FY2618.8%+2.9 pts
Q4 FY2518.7%+0.8 pts
Q3 FY2519.0%+2.6 pts
Q2 FY2517.6%+1.8 pts
Q1 FY2515.9%+0.3 pts
Q4 FY2417.9%+5.0 pts
Q3 FY2416.4%+2.3 pts
Q2 FY2415.7%+0.8 pts
Q1 FY2415.6%−0.9 pts
Q4 FY2312.9%−5.9 pts
Q3 FY2314.1%−6.4 pts

Against its peers

Companies in Financial - Credit Services nearest Synchrony Financial's size, closest first, today.

CompanyProfit margin
SYFSynchrony Financial18.3%
AFRMAffirm45.3%
GPNGlobal Payments−9.1%
SOFISoFi Technologies14.8%
RBARB Global10.0%
CSGPCostar2.1%
CARTMaplebear12.0%
PYPLPayPal14.4%
HQYHealthequity17.4%
ETSYEtsy7.3%
ZGZillow2.0%
Peer median11.0%

Where Synchrony Financial ranks

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Synchrony Financial

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.