Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 16.31% is 42% below its 5-year average of 28.26%, near the low end of its 5-year range (11.37%–61.67%).
As of the fiscal period ended Tuesday, March 31, 2026. 27.81% below its 12-month average of 22.60%.
Reported quarterly operating margin; no daily interpolation.
OPERATING MARGIN
16.31%
OPERATING MARGIN AVG TTM
22.60%
OPERATING MARGIN AVG 3Y
18.98%
OPERATING MARGIN AVG 5Y
26.59%
OPERATING MARGIN AVG 10Y
25.43%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-27.81%
CURRENT VS 3Y AVG
-14.06%
CURRENT VS 5Y AVG
-38.65%
CURRENT VS 10Y AVG
-35.86%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
22.96%
median of 95 covered companies
CURRENT VS SECTOR MEDIAN
-28.95%
vs the sector median at left
Synchrony Financial
Market Cap
$23.71B
Operating Margin
16.31%
TTM Avg
22.60%
3Y Avg
18.98%
5Y Avg
26.59%
Market Cap
$23.63B
Operating Margin
12.36%
TTM Avg
10.39%
3Y Avg
15.08%
5Y Avg
14.18%
Market Cap
$22.93B
Operating Margin
26.79%
TTM Avg
28.76%
3Y Avg
28.02%
5Y Avg
27.63%
Market Cap
$24.96B
Operating Margin
30.18%
TTM Avg
31.41%
3Y Avg
32.53%
5Y Avg
37.12%
Market Cap
$21.11B
Operating Margin
12.56%
TTM Avg
8.66%
3Y Avg
-2.78%
5Y Avg
-16.52%
Market Cap
$26.34B
Operating Margin
29.77%
TTM Avg
26.83%
3Y Avg
30.14%
5Y Avg
31.51%
Market Cap
$20.09B
Operating Margin
16.21%
TTM Avg
20.86%
3Y Avg
21.67%
5Y Avg
20.60%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Synchrony Financial (SYF) | $23.71B | 16.31% | 22.60% | 18.98% | 26.59% |
| Principal Financial Group, Inc. (PFG)vs › | $23.63B | 12.36% | 10.39% | 15.08% | 14.18% |
| Loews Corporation (L)vs › | $24.26B | 12.62% | 11.71% | 11.02% | 8.19% |
| KeyCorp (KEY)vs › | $24.45B | 18.05% | 8.61% | 14.51% | 20.70% |
| Brown & Brown, Inc. (BRO)vs › | $22.93B | 26.79% | 28.76% | 28.02% | 27.63% |
| T. Rowe Price Group, Inc. (TROW)vs › | $24.96B | 30.18% | 31.41% | 32.53% | 37.12% |
| SoFi Technologies, Inc. (SOFI)vs › | $21.11B | 12.56% | 8.66% | -2.78% | -16.52% |
| Regions Financial Corporation (RF)vs › | $26.34B | 29.77% | 26.83% | 30.14% | 31.51% |
| Global Payments Inc. (GPN)vs › | $20.09B | 16.21% | 20.86% | 21.67% | 20.60% |
| Willis Towers Watson Public Limited Company (WTW)vs › | $27.87B | 22.73% | 14.66% | 14.25% | 15.24% |
Gross Margin
51.0%
Operating Margin
16.3%
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-03-31 | 16.31% |
| 2025-12-31 | 19.97% |
| 2025-09-30 | 29.56% |
| 2025-06-30 | 26.66% |
| 2025-03-31 | 20.48% |
| 2024-12-31 | 19.78% |
| 2024-09-30 | 20.60% |
| 2024-06-30 | 17.26% |
| 2024-03-31 | 34.91% |
| 2023-12-31 | 11.37% |
| 2023-09-30 | 18.65% |
| 2023-06-30 | 17.69% |
| 2023-03-31 | 20.08% |
| 2022-12-31 | 20.05% |
| 2022-09-30 | 27.70% |
| 2022-06-30 | 33.90% |
| 2022-03-31 | 40.75% |
| 2021-12-31 | 35.46% |
| 2021-09-30 | 55.03% |
| 2021-06-30 | 61.67% |
| 2021-03-31 | 45.60% |
| 2020-12-31 | 31.18% |
| 2020-09-30 | 13.42% |
| 2020-06-30 | 1.87% |
| 2020-03-31 | 10.68% |
| 2019-12-31 | 25.16% |
| 2019-09-30 | 33.95% |
| 2019-06-30 | 28.45% |
| 2019-03-31 | 37.26% |
| 2018-12-31 | 24.77% |
| 2018-09-30 | 22.98% |
| 2018-06-30 | 24.89% |
| 2018-03-31 | 23.53% |
| 2017-12-31 | 24.48% |
| 2017-09-30 | 25.09% |
| 2017-06-30 | 23.47% |
| 2017-03-31 | 23.54% |
| 2016-12-31 | 28.19% |
| 2016-09-30 | 30.84% |
| 2016-06-30 | 26.28% |
| 2016-03-31 | 31.54% |
| 2015-12-31 | 30.33% |
| 2015-09-30 | 33.38% |
| 2015-06-30 | 32.17% |
| 2015-03-31 | 34.08% |
| 2014-12-31 | 31.31% |
| 2014-09-30 | 34.80% |
| 2014-06-30 | 31.21% |
| 2014-03-31 | 36.27% |
| 2013-12-31 | 27.62% |
| 2013-09-30 | 44.01% |
| 2013-06-30 | 37.83% |
| 2013-03-31 | 24.36% |
