Synchrony Financial (SYF) Return on Assets (ROA): 2.96%
Is Synchrony Financial’s return on assets (ROA) high or low?
Synchrony Financial's return on assets (ROA) of 2.96% is in line with its 5-year average of 2.76%, around the middle of its 5-year range (1.44%–4.41%).
The return on assets (ROA) for Synchrony Financial (SYF) is 2.96% as of Wednesday, June 10, 2026. It is above its 12-month average by 0.17% (2.96%).
SYF Return on Assets (ROA) Chart
SYF Average Return on Assets (ROA) Chart
SYF Current vs Average Return on Assets (ROA) Chart
SYF Return on Assets (ROA) Metrics
RETURN ON ASSETS (ROA)
2.96%
RETURN ON ASSETS (ROA) AVG TTM
2.96%
RETURN ON ASSETS (ROA) AVG 3Y
2.68%
RETURN ON ASSETS (ROA) AVG 5Y
2.76%
RETURN ON ASSETS (ROA) AVG 10Y
2.72%
RETURN ON ASSETS (ROA) AVG 15Y
2.67%
RETURN ON ASSETS (ROA) AVG 20Y
2.67%
CURRENT VS TTM AVG
+0.17%
CURRENT VS 3Y AVG
+10.65%
CURRENT VS 5Y AVG
+7.31%
CURRENT VS 10Y AVG
+8.93%
CURRENT VS 15Y AVG
+11.03%
CURRENT VS 20Y AVG
+11.03%
SYF Competitors' Return on Assets (ROA)
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Synchrony Financial (SYF) | $23.58B | 2.96% | 2.96% | 2.68% | 2.76% |
| Loews Corporation (L) | $22.30B | 2.18% | 1.83% | 1.64% | 1.22% |
| Willis Towers Watson Public Limited Company (WTW) | $25.17B | 5.62% | 2.55% | 2.98% | 4.42% |
| Cincinnati Financial Corporation (CINF) | $25.81B | 6.69% | 6.06% | 4.03% | 5.00% |
| Brown & Brown, Inc. (BRO) | $20.70B | 3.87% | 4.57% | 4.95% | 5.19% |
| SoFi Technologies, Inc. (SOFI) | $20.36B | 1.07% | 1.17% | -0.09% | -1.38% |
| Global Payments Inc. (GPN) | $14.79B | -1.10% | 2.99% | 2.04% | 1.94% |
| The Hartford Financial Services Group, Inc. (HIG) | $35.74B | 4.71% | 4.15% | 3.59% | 3.30% |
| PayPal Holdings, Inc. (PYPL) | $35.90B | 6.28% | 5.80% | 4.96% | 5.22% |
| Prudential Financial, Inc. (PRU) | $36.78B | 0.45% | 0.42% | 0.23% | 0.31% |
Asset Efficiency
ROA
3.0%
ROE
21.9%
Synchrony Financial Return on Assets (ROA) Formula & Definition
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Synchrony Financial Return on Assets (ROA) FAQ
- What is the return on assets (ROA) for Synchrony Financial (SYF)?
- The return on assets (ROA) for SYF stock is 2.96%.
- Is Synchrony Financial's return on assets (ROA) high or low?
- Synchrony Financial's return on assets (ROA) of 2.96% is in line with its 5-year average of 2.76%, around the middle of its 5-year range (1.44%–4.41%).
- What is the TTM average return on assets (ROA) for Synchrony Financial (SYF)?
- The TTM average return on assets (ROA) for SYF stock is 2.96%.
- What is the 3Y average return on assets (ROA) for Synchrony Financial (SYF)?
- The 3Y average return on assets (ROA) for SYF stock is 2.68%.
- What is the 5Y average return on assets (ROA) for Synchrony Financial (SYF)?
- The 5Y average return on assets (ROA) for SYF stock is 2.76%.
- What is the 10Y average return on assets (ROA) for Synchrony Financial (SYF)?
- The 10Y average return on assets (ROA) for SYF stock is 2.72%.
- What is the 15Y average return on assets (ROA) for Synchrony Financial (SYF)?
- The 15Y average return on assets (ROA) for SYF stock is 2.67%.
- What is the 20Y average return on assets (ROA) for Synchrony Financial (SYF)?
- The 20Y average return on assets (ROA) for SYF stock is 2.67%.
Synchrony Financial Return on Assets (ROA) History
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 2.98% |
| 2024-12-31 | 2.93% |
| 2023-12-31 | 1.91% |
| 2022-12-31 | 2.88% |
| 2021-12-31 | 4.41% |
| 2020-12-31 | 1.44% |
| 2019-12-31 | 3.57% |
| 2018-12-31 | 2.61% |
| 2017-12-31 | 2.02% |
| 2016-12-31 | 2.50% |
| 2015-12-31 | 2.64% |
| 2014-12-31 | 2.79% |
| 2013-12-31 | 3.35% |
| 2012-12-31 | 3.96% |
| 2011-12-31 | 0.00% |
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