Synchrony Financial (SYF) Return on Equity (ROE): 21.85%
Is Synchrony Financial’s return on equity (ROE) high or low?
Synchrony Financial's return on equity (ROE) of 21.85% is in line with its 5-year average of 20.61%, around the middle of its 5-year range (10.90%–30.91%).
The return on equity (ROE) for Synchrony Financial (SYF) is 21.85% as of Wednesday, June 10, 2026. It is above its 12-month average by 3.33% (21.15%).
SYF Return on Equity (ROE) Chart
SYF Average Return on Equity (ROE) Chart
SYF Current vs Average Return on Equity (ROE) Chart
SYF Return on Equity (ROE) Metrics
RETURN ON EQUITY (ROE)
21.85%
RETURN ON EQUITY (ROE) AVG TTM
21.15%
RETURN ON EQUITY (ROE) AVG 3Y
20.46%
RETURN ON EQUITY (ROE) AVG 5Y
20.61%
RETURN ON EQUITY (ROE) AVG 10Y
19.50%
RETURN ON EQUITY (ROE) AVG 15Y
20.94%
RETURN ON EQUITY (ROE) AVG 20Y
20.94%
CURRENT VS TTM AVG
+3.33%
CURRENT VS 3Y AVG
+6.82%
CURRENT VS 5Y AVG
+6.04%
CURRENT VS 10Y AVG
+12.06%
CURRENT VS 15Y AVG
+4.36%
CURRENT VS 20Y AVG
+4.36%
SYF Competitors' Return on Equity (ROE)
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Synchrony Financial (SYF) | $23.58B | 21.85% | 21.15% | 20.46% | 20.61% |
| Loews Corporation (L) | $22.30B | 9.99% | 8.61% | 8.02% | 5.93% |
| Willis Towers Watson Public Limited Company (WTW) | $25.17B | 20.90% | 9.45% | 10.01% | 13.52% |
| Cincinnati Financial Corporation (CINF) | $25.81B | 17.54% | 15.74% | 10.53% | 12.67% |
| Brown & Brown, Inc. (BRO) | $20.70B | 9.12% | 11.91% | 13.50% | 13.47% |
| SoFi Technologies, Inc. (SOFI) | $20.36B | 5.34% | 6.12% | 0.25% | -2.77% |
| Global Payments Inc. (GPN) | $14.79B | -2.97% | 6.58% | 4.49% | 3.98% |
| The Hartford Financial Services Group, Inc. (HIG) | $35.74B | 21.50% | 19.57% | 17.20% | 15.24% |
| PayPal Holdings, Inc. (PYPL) | $35.90B | 25.26% | 23.07% | 19.56% | 19.74% |
| Prudential Financial, Inc. (PRU) | $36.78B | 10.84% | 10.40% | 4.90% | 5.56% |
Return Analysis
ROE
21.9%
ROA
3.0%
Synchrony Financial Return on Equity (ROE) Formula & Definition
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Synchrony Financial Return on Equity (ROE) FAQ
- What is the return on equity (ROE) for Synchrony Financial (SYF)?
- The return on equity (ROE) for SYF stock is 21.85%.
- Is Synchrony Financial's return on equity (ROE) high or low?
- Synchrony Financial's return on equity (ROE) of 21.85% is in line with its 5-year average of 20.61%, around the middle of its 5-year range (10.90%–30.91%).
- What is the TTM average return on equity (ROE) for Synchrony Financial (SYF)?
- The TTM average return on equity (ROE) for SYF stock is 21.15%.
- What is the 3Y average return on equity (ROE) for Synchrony Financial (SYF)?
- The 3Y average return on equity (ROE) for SYF stock is 20.46%.
- What is the 5Y average return on equity (ROE) for Synchrony Financial (SYF)?
- The 5Y average return on equity (ROE) for SYF stock is 20.61%.
- What is the 10Y average return on equity (ROE) for Synchrony Financial (SYF)?
- The 10Y average return on equity (ROE) for SYF stock is 19.50%.
- What is the 15Y average return on equity (ROE) for Synchrony Financial (SYF)?
- The 15Y average return on equity (ROE) for SYF stock is 20.94%.
- What is the 20Y average return on equity (ROE) for Synchrony Financial (SYF)?
- The 20Y average return on equity (ROE) for SYF stock is 20.94%.
Synchrony Financial Return on Equity (ROE) History
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2025-12-31 | 21.19% |
| 2024-12-31 | 21.10% |
| 2023-12-31 | 16.10% |
| 2022-12-31 | 23.43% |
| 2021-12-31 | 30.91% |
| 2020-12-31 | 10.90% |
| 2019-12-31 | 24.83% |
| 2018-12-31 | 19.01% |
| 2017-12-31 | 13.59% |
| 2016-12-31 | 15.86% |
| 2015-12-31 | 17.57% |
| 2014-12-31 | 20.13% |
| 2013-12-31 | 33.20% |
| 2012-12-31 | 46.25% |
| 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