TTM
18.1%
YoY change
+1.73pp
Trough year (2020)
10.8%
Peak year (2021)
37.6%
Latest annual
18.6%
Net Profit Margin history chart for Synchrony Financial (SYF) from 2011 to 2025
Latest: 18.6%
Net Profit Margin change chart for Synchrony Financial (SYF) from 2011 to 2025
Latest: +1.73pp
Net Profit Margin history table for Synchrony Financial (SYF) from 2011 to 2025
| 2025 | 18.6% | +1.73pp | ||
| 2024 | 16.9% | +3.95pp | ||
| 2023 | 12.9% | -9.95pp | ||
| 2022 | 22.9% | -14.75pp | ||
| 2021 | 37.6% | +26.81pp | ||
| 2020 | 10.8% | -13.22pp | ||
| 2019 | 24.0% | +5.60pp | ||
| 2018 | 18.4% | +4.35pp | ||
| 2017 | 14.1% | -4.36pp | ||
| 2016 | 18.4% | -1.92pp | ||
| 2015 | 20.3% | -0.43pp | ||
| 2014 | 20.8% | -0.19pp | ||
| 2013 | 21.0% | -3.09pp | ||
| 2012 | 24.1% | +1.03pp | ||
| 2011 | 23.0% | — |
- 202518.6%+1.73pp
- 202416.9%+3.95pp
- 202312.9%-9.95pp
- 202222.9%-14.75pp
- 202137.6%+26.81pp
- 202010.8%-13.22pp
- 201924.0%+5.60pp
- 201818.4%+4.35pp
- 201714.1%-4.36pp
- 201618.4%-1.92pp
- 201520.3%-0.43pp
- 201420.8%-0.19pp
- 201321.0%-3.09pp
- 201224.1%+1.03pp
- 201123.0%—
Net Profit Margin values are taken from Synchrony Financial's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
About Net Profit Margin at Synchrony Financial (SYF)
According to Synchrony Financial's latest reported financial statements, the company's latest reported net margin is 18.1%. Net profit margin is net income divided by revenue — the bottom-line share of each sales dollar that remains after all costs, including operating expenses, interest, and taxes. It is the most comprehensive profitability ratio, though it can swing on one-off items, so read it alongside the multi-year trend below.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
Synchrony Financial (SYF) most recent annual net margin stands at 18.58% (2025) – expanded 1.7 percentage points year-over-year.
Across the available history, net margin reached its high of 37.61% in 2021 and its low of 10.80% in 2020.
Synchrony Financial Net Profit Margin by Year
Synchrony Financial Net Profit Margin 2025: 18.6%
In 2025, Synchrony Financial reported net margin of 18.58%, expanded 1.7 percentage points from 2024.
Synchrony Financial Net Profit Margin 2024: 16.9%
Synchrony Financial net margin in 2024 was 16.86%, expanded 3.9 percentage points from 2023.
Synchrony Financial Net Profit Margin 2023: 12.9%
2023's net margin for Synchrony Financial came in at 12.91%, contracted 9.9 percentage points from 2022.
Synchrony Financial Net Profit Margin 2022: 22.9%
Synchrony Financial posted net margin of 22.86% in 2022, contracted 14.7 percentage points from 2021.
Synchrony Financial Net Profit Margin 2021: 37.6%
Synchrony Financial net margin in 2021 was 37.61%.
See more financial history for Synchrony Financial (SYF).
Sector peers by Net Profit Margin
Financial Services peers of Synchrony Financial (SYF), ranked by their latest net margin
| 51.7% | |
| 45.9% | |
| 20.7% | |
| 19.3% | |
| 18.1% | |
| 17.3% | |
| 16.3% | |
| 15.1% |
- 51.7%
- 45.9%
- 20.7%
- 17.3%
- 16.3%
- 15.1%
Frequently asked questions
Synchrony Financial (SYF) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation