Basis: Latest reported fiscal year. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The 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%).
As of the fiscal period ended Wednesday, December 31, 2025. 3.33% above its 12-month average of 21.15%.
Annual fiscal-year return on equity; no daily interpolation.
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
20.60%
RETURN ON EQUITY (ROE) AVG 20Y
N/A
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
+6.06%
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
13.30%
median of 95 covered companies
CURRENT VS SECTOR MEDIAN
+64.29%
vs the sector median at left
Synchrony Financial
Market Cap
$23.71B
Return on Equity (ROE)
21.85%
TTM Avg
21.15%
3Y Avg
20.46%
5Y Avg
20.61%
Market Cap
$23.63B
Return on Equity (ROE)
13.12%
TTM Avg
12.07%
3Y Avg
19.35%
5Y Avg
15.94%
Market Cap
$24.26B
Return on Equity (ROE)
9.99%
TTM Avg
8.61%
3Y Avg
8.02%
5Y Avg
5.93%
Market Cap
$22.93B
Return on Equity (ROE)
9.12%
TTM Avg
11.91%
3Y Avg
13.50%
5Y Avg
13.47%
Market Cap
$24.96B
Return on Equity (ROE)
19.44%
TTM Avg
19.76%
3Y Avg
18.99%
5Y Avg
23.49%
Market Cap
$21.11B
Return on Equity (ROE)
5.34%
TTM Avg
6.12%
3Y Avg
0.25%
5Y Avg
-2.77%
Market Cap
$26.34B
Return on Equity (ROE)
11.85%
TTM Avg
10.96%
3Y Avg
11.97%
5Y Avg
11.28%
Market Cap
$20.09B
Return on Equity (ROE)
-2.97%
TTM Avg
6.58%
3Y Avg
4.49%
5Y Avg
3.98%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Synchrony Financial (SYF) | $23.71B | 21.85% | 21.15% | 20.46% | 20.61% |
| Principal Financial Group, Inc. (PFG)vs › | $23.63B | 13.12% | 12.07% | 19.35% | 15.94% |
| Loews Corporation (L)vs › | $24.26B | 9.99% | 8.61% | 8.02% | 5.93% |
| KeyCorp (KEY)vs › | $24.45B | 10.25% | 4.04% | 7.23% | 8.58% |
| Brown & Brown, Inc. (BRO)vs › | $22.93B | 9.12% | 11.91% | 13.50% | 13.47% |
| T. Rowe Price Group, Inc. (TROW)vs › | $24.96B | 19.44% | 19.76% | 18.99% | 23.49% |
| SoFi Technologies, Inc. (SOFI)vs › | $21.11B | 5.34% | 6.12% | 0.25% | -2.77% |
| Regions Financial Corporation (RF)vs › | $26.34B | 11.85% | 10.96% | 11.97% | 11.28% |
| Global Payments Inc. (GPN)vs › | $20.09B | -2.97% | 6.58% | 4.49% | 3.98% |
| Willis Towers Watson Public Limited Company (WTW)vs › | $27.87B | 20.90% | 9.45% | 10.01% | 13.52% |
ROE
21.9%
ROA
3.0%
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
| 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% |
