EBITDA for Synchrony Financial (SYF)
According to Synchrony Financial's latest reported financial statements, the company's current EBITDA (TTM) is $4.94B USD. EBITDA stands for earnings before interest, taxes, depreciation, and amortization. It is a common proxy for operating cash generation that strips out non-cash charges (depreciation and amortization) and capital structure effects (interest, taxes). Useful for comparing companies with different leverage and asset bases — see operating income and net income for fully GAAP figures.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
Currently viewingEBITDASwitch metric
TTM (last 4 quarters)
$4.94B
YoY change
+2.0%
5Y CAGR
+18.7%
Peak year (2021)
$5.89B
Cumulative EBITDA
$59.59B
EBITDA history chart for Synchrony Financial (SYF) from 2011 to 2025
EBITDA history table for Synchrony Financial (SYF) from 2011 to 2025
| Fiscal year | Period ended | Reported | EBITDA | YoY |
|---|---|---|---|---|
| 2025 | $5.13B | +2.0% | ||
| 2024 | $5.03B | +49.7% | ||
| 2023 | $3.36B | -23.3% | ||
| 2022 | $4.38B | -25.7% | ||
| 2021 | $5.89B | +170.3% | ||
| 2020 | $2.18B | -58.5% | ||
| 2019 | $5.25B | +33.1% | ||
| 2018 | $3.95B | +10.3% | ||
| 2017 | $3.58B | -5.6% | ||
| 2016 | $3.79B | +2.3% | ||
| 2015 | $3.71B | +5.3% | ||
| 2014 | $3.52B | +8.3% | ||
| 2013 | $3.25B | -6.2% | ||
| 2012 | $3.46B | +11.4% | ||
| 2011 | $3.11B | — |
EBITDA values are taken from Synchrony Financial's reported income statements (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
As of the 2025 fiscal year, Synchrony Financial (SYF) reported EBITDA of $5.13B – edged up 2.0% year-over-year.
Synchrony Financial EBITDA has grown for 2 consecutive years, with a +18.7% compound annual growth rate over 2020–2025 (5 years).
Synchrony Financial EBITDA peaked at $5.89B in 2021; the latest annual figure is $5.13B in 2025 (12.9% below peak).
Across the available history, EBITDA reached its high of $5.89B in 2021 and its low of $2.18B in 2020.
Within Financial Services, Synchrony Financial (SYF) ranks 9th among 8 peers we track. The peer median for EBITDA is $27.98B.
Synchrony Financial EBITDA by Year
Synchrony Financial EBITDA 2025: $5.13B
Synchrony Financial EBITDA in 2025 was $5.13B, edged up 2.0% from 2024.
Synchrony Financial EBITDA 2024: $5.03B
Synchrony Financial EBITDA in 2024 was $5.03B, surged 49.7% from 2023.
Synchrony Financial EBITDA 2023: $3.36B
Synchrony Financial EBITDA in 2023 was $3.36B, declined 23.3% below 2022.
Synchrony Financial EBITDA 2022: $4.38B
Synchrony Financial EBITDA in 2022 was $4.38B, declined 25.7% below 2021.
Synchrony Financial EBITDA 2021: $5.89B
Synchrony Financial EBITDA in 2021 was $5.89B.
See more financial history for Synchrony Financial (SYF).
Sector peers — EBITDA
Companies in the same sector as Synchrony Financial, ranked by their latest EBITDA.
| Company | EBITDA | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $81.42B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $73.02B | Financial Services |
| Bank of America Corporation (BAC) | $40.01B | Financial Services |
| Wells Fargo & Company (WFC) | $29.35B | Financial Services |
| Morgan Stanley (MS) | $26.61B | Financial Services |
| Visa Inc. (V) | $26.00B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $24.03B | Financial Services |
| Mastercard Incorporated (MA) | $20.19B | Financial Services |
Frequently asked questions
What is Synchrony Financial's EBITDA?
- Latest reported EBITDA for Synchrony Financial (SYF) is $4.94B (period ending March 31, 2026).
How has Synchrony Financial EBITDA changed year-over-year?
- Synchrony Financial (SYF) EBITDA changed +2.0% year-over-year on the latest annual filing.
What is the long-term growth rate of Synchrony Financial EBITDA?
- Synchrony Financial (SYF) EBITDA compound annual growth rate is +18.7% over the most recent 5 years available.
When did Synchrony Financial EBITDA hit its highest annual value?
- Synchrony Financial EBITDA reached its highest annual value of $5.89B in 2021.
What was Synchrony Financial EBITDA in 2024?
- Synchrony Financial (SYF) EBITDA in 2024 was $5.03B.
What was Synchrony Financial EBITDA in 2025?
- Synchrony Financial (SYF) EBITDA in 2025 was $5.13B.
Metrics overview
Pick a metric for charts, filings, and peers — each row shows the latest TTM or annual value with year-over-year change.
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