Synchrony Financial (SYF) Net Profit Margin: 18.08%
Is Synchrony Financial’s net profit margin high or low?
Synchrony Financial's net profit margin of 18.08% is in line with its 5-year average of 19.94%, near the low end of its 5-year range (10.80%–37.61%).
As of Thursday, June 11, 2026. 2.03% above its 12-month average of 17.72%.
SYF Net Profit Margin Chart
SYF Average Net Profit Margin Chart
SYF Current vs Average Net Profit Margin Chart
SYF Net Profit Margin Metrics
NET PROFIT MARGIN
18.08%
NET PROFIT MARGIN AVG TTM
17.72%
NET PROFIT MARGIN AVG 3Y
17.80%
NET PROFIT MARGIN AVG 5Y
19.94%
NET PROFIT MARGIN AVG 10Y
19.53%
NET PROFIT MARGIN AVG 15Y
20.24%
NET PROFIT MARGIN AVG 20Y
20.24%
CURRENT VS TTM AVG
+2.03%
CURRENT VS 3Y AVG
+1.56%
CURRENT VS 5Y AVG
-9.31%
CURRENT VS 10Y AVG
-7.44%
CURRENT VS 15Y AVG
-10.69%
CURRENT VS 20Y AVG
-10.69%
SYF Competitors' Net Profit Margin
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Synchrony Financial (SYF) | $23.21B | 18.08% | 17.72% | 17.80% | 19.94% |
| Loews Corporation (L) | $22.28B | 10.22% | 8.68% | 8.09% | 6.16% |
| Willis Towers Watson Public Limited Company (WTW) | $24.93B | 16.84% | 7.77% | 9.51% | 16.09% |
| Cincinnati Financial Corporation (CINF) | $25.91B | 21.34% | 19.59% | 12.54% | 16.19% |
| SoFi Technologies, Inc. (SOFI) | $20.43B | 11.22% | 11.78% | -1.25% | -13.22% |
| Brown & Brown, Inc. (BRO) | $20.40B | 17.87% | 19.41% | 19.60% | 19.35% |
| Global Payments Inc. (GPN) | $14.57B | -7.99% | 16.86% | 11.29% | 10.73% |
| The Hartford Financial Services Group, Inc. (HIG) | $35.65B | 14.13% | 12.68% | 10.99% | 10.58% |
| PayPal Holdings, Inc. (PYPL) | $35.77B | 15.00% | 14.41% | 12.97% | 14.65% |
| Prudential Financial, Inc. (PRU) | $36.53B | 5.51% | 4.87% | 2.86% | 3.87% |
Margin Comparison
Operating Margin
22.9%
Net Profit Margin
18.1%
Synchrony Financial Net Profit Margin Formula & Definition
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Synchrony Financial Net Profit Margin FAQ
- What is the net profit margin for Synchrony Financial (SYF)?
- The net profit margin for SYF stock is 18.08%.
- Is Synchrony Financial's net profit margin high or low?
- Synchrony Financial's net profit margin of 18.08% is in line with its 5-year average of 19.94%, near the low end of its 5-year range (10.80%–37.61%).
- What is the TTM average net profit margin for Synchrony Financial (SYF)?
- The TTM average net profit margin for SYF stock is 17.72%.
- What is the 3Y average net profit margin for Synchrony Financial (SYF)?
- The 3Y average net profit margin for SYF stock is 17.80%.
- What is the 5Y average net profit margin for Synchrony Financial (SYF)?
- The 5Y average net profit margin for SYF stock is 19.94%.
- What is the 10Y average net profit margin for Synchrony Financial (SYF)?
- The 10Y average net profit margin for SYF stock is 19.53%.
- What is the 15Y average net profit margin for Synchrony Financial (SYF)?
- The 15Y average net profit margin for SYF stock is 20.24%.
- What is the 20Y average net profit margin for Synchrony Financial (SYF)?
- The 20Y average net profit margin for SYF stock is 20.24%.
Synchrony Financial Net Profit Margin History
| DATE | NET PROFIT MARGIN |
|---|---|
| 2025-12-31 | 18.58% |
| 2024-12-31 | 16.86% |
| 2023-12-31 | 12.91% |
| 2022-12-31 | 22.86% |
| 2021-12-31 | 37.61% |
| 2020-12-31 | 10.80% |
| 2019-12-31 | 24.01% |
| 2018-12-31 | 18.41% |
| 2017-12-31 | 14.06% |
| 2016-12-31 | 18.42% |
| 2015-12-31 | 20.35% |
| 2014-12-31 | 20.77% |
| 2013-12-31 | 20.96% |
| 2012-12-31 | 24.05% |
| 2011-12-31 | 23.02% |
Related Metrics
About Synchrony Financial
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Brian D. Doubles