Synchrony Financial (SYF) Return on Invested Capital (ROIC): 9.36%
Is Synchrony Financial’s return on invested capital (ROIC) high or low?
Synchrony Financial's return on invested capital (ROIC) of 9.36% is in line with its 5-year average of 9.31%, around the middle of its 5-year range (4.86%–14.99%).
As of Thursday, June 18, 2026. In line with its 12-month average of 9.36%.
SYF Return on Invested Capital (ROIC) Chart
SYF Average Return on Invested Capital (ROIC) Chart
SYF Current vs Average Return on Invested Capital (ROIC) Chart
SYF Return on Invested Capital (ROIC) Metrics
RETURN ON INVESTED CAPITAL (ROIC)
9.36%
RETURN ON INVESTED CAPITAL (ROIC) AVG TTM
9.36%
RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y
9.00%
RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y
9.31%
RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y
8.35%
RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y
7.35%
RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y
N/A
CURRENT VS TTM AVG
+0.00%
CURRENT VS 3Y AVG
+3.94%
CURRENT VS 5Y AVG
+0.52%
CURRENT VS 10Y AVG
+12.07%
CURRENT VS 15Y AVG
+27.39%
CURRENT VS 20Y AVG
N/A
SYF Competitors' Return on Invested Capital (ROIC)
| NAME | MARKET CAP | RETURN ON INVESTED CAPITAL (ROIC) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Synchrony Financial (SYF) | $24.93B | 9.36% | 9.36% | 9.00% | 9.31% |
| Regions Financial Corporation (RF)vs › | $24.78B | 13.79% | 10.08% | 9.55% | 8.86% |
| Willis Towers Watson Public Limited Company (WTW)vs › | $24.56B | 11.52% | 4.01% | 5.09% | 5.32% |
| KeyCorp (KEY)vs › | $24.50B | 5.83% | 2.69% | 3.04% | 4.15% |
| W. R. Berkley Corporation (WRB)vs › | $25.50B | 10.42% | 10.63% | 10.16% | 8.02% |
| Principal Financial Group, Inc. (PFG)vs › | $23.81B | 0.37% | 0.44% | -21.92% | -14.38% |
| SoFi Technologies, Inc. (SOFI)vs › | $23.52B | 3.79% | 3.08% | 0.16% | -1.28% |
| Cincinnati Financial Corporation (CINF)vs › | $26.52B | 10.68% | 11.01% | 7.29% | 382.76% |
| Loews Corporation (L)vs › | $22.16B | 3.76% | 3.56% | 2.80% | -579.32% |
| Circle Internet Group (CRCL)vs › | $21.48B | -1.80% | 2.39% | 4.03% | -8.50% |
Capital Efficiency
ROIC
9.4%
ROE
21.9%
Synchrony Financial Return on Invested Capital (ROIC) Formula & Definition
ROIC = NOPAT / Invested Capital
Return on invested capital measures the after-tax return a company earns on all capital (debt and equity) invested in the business.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Synchrony Financial Return on Invested Capital (ROIC) FAQ
- What is the return on invested capital (ROIC) for Synchrony Financial (SYF)?
- The return on invested capital (ROIC) for SYF stock is 9.36%.
- Is Synchrony Financial's return on invested capital (ROIC) high or low?
- Synchrony Financial's return on invested capital (ROIC) of 9.36% is in line with its 5-year average of 9.31%, around the middle of its 5-year range (4.86%–14.99%).
- What is the TTM average return on invested capital (ROIC) for Synchrony Financial (SYF)?
- The TTM average return on invested capital (ROIC) for SYF stock is 9.36%.
- What is the 3Y average return on invested capital (ROIC) for Synchrony Financial (SYF)?
- The 3Y average return on invested capital (ROIC) for SYF stock is 9.00%.
- What is the 5Y average return on invested capital (ROIC) for Synchrony Financial (SYF)?
- The 5Y average return on invested capital (ROIC) for SYF stock is 9.31%.
- What is the 10Y average return on invested capital (ROIC) for Synchrony Financial (SYF)?
- The 10Y average return on invested capital (ROIC) for SYF stock is 8.35%.
- What is the 15Y average return on invested capital (ROIC) for Synchrony Financial (SYF)?
- The 15Y average return on invested capital (ROIC) for SYF stock is 7.35%.
Synchrony Financial Return on Invested Capital (ROIC) History
| DATE | RETURN ON INVESTED CAPITAL (ROIC) |
|---|---|
| 2025-12-31 | 9.36% |
| 2024-12-31 | 9.36% |
| 2023-12-31 | 6.16% |
| 2022-12-31 | 11.14% |
| 2021-12-31 | 14.99% |
| 2020-12-31 | 4.86% |
| 2019-12-31 | 10.72% |
| 2018-12-31 | 7.21% |
| 2017-12-31 | 5.52% |
| 2016-12-31 | 6.55% |
| 2015-12-31 | 6.00% |
| 2014-12-31 | 5.56% |
| 2013-12-31 | 6.54% |
| 2012-12-31 | 6.54% |
| 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