Annual Net Margin:
21.70%+5.28%(+32.16%)Summary
- As of today, SYF annual net profit margin is 21.70%, with the most recent change of +5.28% (+32.16%) on December 31, 2024.
 - During the last 3 years, SYF annual net margin has fallen by -19.71% (-47.60%).
 - SYF annual net margin is now -47.60% below its all-time high of 41.41%, reached on December 31, 2021.
 
Performance
SYF Net Margin Chart
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Quarterly Net Margin:
21.87%+1.35%(+6.58%)Summary
- As of today, SYF quarterly net profit margin is 21.87%, with the most recent change of +1.35% (+6.58%) on September 30, 2025.
 - Over the past year, SYF quarterly net margin has increased by +6.06% (+38.33%).
 - SYF quarterly net margin is now -53.14% below its all-time high of 46.67%, reached on June 30, 2021.
 
Performance
SYF Quarterly Net Margin Chart
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Net Margin Formula
Net Margin =  Net Income 
Revenue ✕ 100%
Revenue ✕ 100%
SYF Net Margin Trends
| PeriodPeriod | AnnualAnnual | QuarterlyQuarterly | 
|---|---|---|
| 1Y1 Year | +32.2% | +38.3% | 
| 3Y3 Years | -47.6% | +3.5% | 
| 5Y5 Years | -22.9% | +114.4% | 
SYF Net Margin Highs & Lows
| PeriodPeriod | Annual vs HighAnnual vs High | Annual vs LowAnnual vs Low | Quarter. vs HighQuarter. vs High | Quarter. vs LowQuarter. vs Low | |
|---|---|---|---|---|---|
| 3Y | 3-Year | -47.6% | +32.2% | at high | +135.7% | 
| 5Y | 5-Year | -47.6% | +74.9% | -53.1% | +135.7% | 
| All-Time | All-Time | -47.6% | +74.9% | -53.1% | +1338.8% | 
SYF Net Margin History
| Date | Annual | Quarterly | 
|---|---|---|
| Sep 2025 | -  | 21.87%(+6.6%)  | 
| Jun 2025 | -  | 20.52%(+30.2%)  | 
| Mar 2025 | -  | 15.76%(+0.2%)  | 
| Dec 2024 | 21.70%(+32.2%)  | 15.73%(-0.5%)  | 
| Sep 2024 | -  | 15.81%(+20.2%)  | 
| Jun 2024 | -  | 13.15%(-39.4%)  | 
| Mar 2024 | -  | 21.69%(+133.7%)  | 
| Dec 2023 | 16.42%(-36.5%)  | 9.28%(-34.0%)  | 
| Sep 2023 | -  | 14.06%(+3.7%)  | 
| Jun 2023 | -  | 13.56%(-11.3%)  | 
| Mar 2023 | -  | 15.28%(-2.2%)  | 
| Dec 2022 | 25.84%(-37.6%)  | 15.62%(-26.0%)  | 
| Sep 2022 | -  | 21.12%(-17.4%)  | 
| Jun 2022 | -  | 25.56%(-17.0%)  | 
| Mar 2022 | -  | 30.80%(+11.9%)  | 
| Dec 2021 | 41.41%(+233.7%)  | 27.53%(-34.2%)  | 
| Sep 2021 | -  | 41.86%(-10.3%)  | 
| Jun 2021 | -  | 46.67%(+31.3%)  | 
| Mar 2021 | -  | 35.54%(+45.8%)  | 
| Dec 2020 | 12.41%(-55.9%)  | 24.37%(+138.9%)  | 
| Sep 2020 | -  | 10.20%(+571.1%)  | 
| Jun 2020 | -  | 1.52%(-81.0%)  | 
| Mar 2020 | -  | 7.99%(-60.0%)  | 
| Dec 2019 | 28.15%  | 19.97%(-23.4%)  | 
| Sep 2019 | -  | 26.07%(+21.3%)  | 
| Jun 2019 | -  | 21.49%(-23.8%)  | 
| Date | Annual | Quarterly | 
|---|---|---|
| Mar 2019 | -  | 28.21%(+47.2%)  | 
| Dec 2018 | 21.00%(+34.2%)  | 19.17%(+11.0%)  | 
| Sep 2018 | -  | 17.27%(-11.1%)  | 
| Jun 2018 | -  | 19.42%(+9.2%)  | 
| Mar 2018 | -  | 17.78%(+65.1%)  | 
| Dec 2017 | 15.65%(-23.7%)  | 10.77%(-32.0%)  | 
| Sep 2017 | -  | 15.84%(+7.2%)  | 
| Jun 2017 | -  | 14.77%(-1.7%)  | 
| Mar 2017 | -  | 15.02%(-16.0%)  | 
| Dec 2016 | 20.52%(-9.6%)  | 17.88%(-7.5%)  | 
| Sep 2016 | -  | 19.34%(+16.0%)  | 
| Jun 2016 | -  | 16.67%(-15.7%)  | 
| Mar 2016 | -  | 19.78%(+3.5%)  | 
| Dec 2015 | 22.71%(-0.6%)  | 19.11%(-8.3%)  | 
| Sep 2015 | -  | 20.85%(+3.1%)  | 
| Jun 2015 | -  | 20.22%(-5.1%)  | 
| Mar 2015 | -  | 21.30%(+37.2%)  | 
| Dec 2014 | 22.85%(+0.4%)  | 15.52%(-8.8%)  | 
| Sep 2014 | -  | 17.02%(+9.5%)  | 
| Jun 2014 | -  | 15.54%(-15.1%)  | 
| Mar 2014 | -  | 18.31%(+30.4%)  | 
| Dec 2013 | 22.75%(-13.4%)  | 14.04%(-34.3%)  | 
| Sep 2013 | -  | 21.37%(+12.1%)  | 
| Jun 2013 | -  | 19.07%(+50.6%)  | 
| Mar 2013 | -  | 12.66%  | 
| Dec 2012 | 26.28%(+1.2%)  | -  | 
| Dec 2011 | 25.97%  | -  | 
FAQ
- What is Synchrony Financial annual net profit margin?
 - What is the all-time high annual net margin for Synchrony Financial?
 - What is Synchrony Financial annual net margin year-on-year change?
 - What is Synchrony Financial quarterly net profit margin?
 - What is the all-time high quarterly net margin for Synchrony Financial?
 - What is Synchrony Financial quarterly net margin year-on-year change?
 
What is Synchrony Financial annual net profit margin?
The current annual net margin of SYF is 21.70%
What is the all-time high annual net margin for Synchrony Financial?
Synchrony Financial all-time high annual net profit margin is 41.41%
What is Synchrony Financial annual net margin year-on-year change?
Over the past year, SYF annual net profit margin has changed by +5.28% (+32.16%)
What is Synchrony Financial quarterly net profit margin?
The current quarterly net margin of SYF is 21.87%
What is the all-time high quarterly net margin for Synchrony Financial?
Synchrony Financial all-time high quarterly net profit margin is 46.67%
What is Synchrony Financial quarterly net margin year-on-year change?
Over the past year, SYF quarterly net profit margin has changed by +6.06% (+38.33%)