Annual Operating Margin:
25.92%+4.79%(+22.67%)Summary
- As of today, SYF annual operating profit margin is 25.92%, with the most recent change of +4.79% (+22.67%) on December 31, 2024.
 - During the last 3 years, SYF annual operating margin has fallen by -27.26% (-51.26%).
 - SYF annual operating margin is now -51.26% below its all-time high of 53.18%, reached on December 31, 2021.
 
Performance
SYF Operating Margin Chart
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Quarterly Operating Margin:
33.68%+2.57%(+8.26%)Summary
- As of today, SYF quarterly operating profit margin is 33.68%, with the most recent change of +2.57% (+8.26%) on September 30, 2025.
 - Over the past year, SYF quarterly operating margin has increased by +8.91% (+35.97%).
 - SYF quarterly operating margin is now -49.11% below its all-time high of 66.18%, reached on June 30, 2021.
 
Performance
SYF Quarterly Operating Margin Chart
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Operating Margin Formula
Operating Profit Margin =  Operating Profit 
Revenue ✕ 100%
Revenue ✕ 100%
SYF Operating Margin Trends
| PeriodPeriod | AnnualAnnual | QuarterlyQuarterly | 
|---|---|---|
| 1Y1 Year | +22.7% | +36.0% | 
| 3Y3 Years | -51.3% | +6.2% | 
| 5Y5 Years | -27.9% | +106.4% | 
SYF Operating 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 | -51.3% | +22.7% | at high | +114.7% | 
| 5Y | 5-Year | -51.3% | +35.4% | -49.1% | +114.7% | 
| All-Time | All-Time | -51.3% | +35.4% | -49.1% | +1701.1% | 
SYF Operating Margin History
| Date | Annual | Quarterly | 
|---|---|---|
| Sep 2025 | -  | 33.68%(+8.3%)  | 
| Jun 2025 | -  | 31.11%(+25.8%)  | 
| Mar 2025 | -  | 24.73%(+3.6%)  | 
| Dec 2024 | 25.92%(+22.7%)  | 23.87%(-3.6%)  | 
| Sep 2024 | -  | 24.77%(+14.9%)  | 
| Jun 2024 | -  | 21.56%(-33.0%)  | 
| Mar 2024 | -  | 32.16%(+105.0%)  | 
| Dec 2023 | 21.13%(-37.7%)  | 15.69%(-31.6%)  | 
| Sep 2023 | -  | 22.95%(+4.0%)  | 
| Jun 2023 | -  | 22.07%(-10.3%)  | 
| Mar 2023 | -  | 24.61%(+0.8%)  | 
| Dec 2022 | 33.91%(-36.2%)  | 24.41%(-23.0%)  | 
| Sep 2022 | -  | 31.72%(-15.3%)  | 
| Jun 2022 | -  | 37.46%(-15.3%)  | 
| Mar 2022 | -  | 44.25%(+13.5%)  | 
| Dec 2021 | 53.18%(+177.8%)  | 38.98%(-34.0%)  | 
| Sep 2021 | -  | 59.02%(-10.8%)  | 
| Jun 2021 | -  | 66.18%(+31.8%)  | 
| Mar 2021 | -  | 50.21%(+41.0%)  | 
| Dec 2020 | 19.14%(-46.8%)  | 35.60%(+118.1%)  | 
| Sep 2020 | -  | 16.32%(+772.7%)  | 
| Jun 2020 | -  | 1.87%(-82.5%)  | 
| Mar 2020 | -  | 10.68%(-64.3%)  | 
| Dec 2019 | 35.97%  | 29.89%(-12.0%)  | 
| Sep 2019 | -  | 33.95%(+19.3%)  | 
| Jun 2019 | -  | 28.45%(-23.6%)  | 
| Date | Annual | Quarterly | 
|---|---|---|
| Mar 2019 | -  | 37.26%(+50.4%)  | 
| Dec 2018 | 24.05%(-0.5%)  | 24.77%(+7.8%)  | 
| Sep 2018 | -  | 22.98%(-7.7%)  | 
| Jun 2018 | -  | 24.89%(+5.8%)  | 
| Mar 2018 | -  | 23.53%(-3.9%)  | 
| Dec 2017 | 24.16%(-17.3%)  | 24.48%(-2.4%)  | 
| Sep 2017 | -  | 25.09%(+6.9%)  | 
| Jun 2017 | -  | 23.47%(-0.3%)  | 
| Mar 2017 | -  | 23.54%(-16.5%)  | 
| Dec 2016 | 29.21%(-10.0%)  | 28.19%(-8.6%)  | 
| Sep 2016 | -  | 30.84%(+17.4%)  | 
| Jun 2016 | -  | 26.28%(-16.7%)  | 
| Mar 2016 | -  | 31.54%(+4.0%)  | 
| Dec 2015 | 32.45%(-4.1%)  | 30.33%(-9.1%)  | 
| Sep 2015 | -  | 33.38%(+3.8%)  | 
| Jun 2015 | -  | 32.17%(-5.6%)  | 
| Mar 2015 | -  | 34.08%(+2.7%)  | 
| Dec 2014 | 33.85%(+2.9%)  | 33.17%(-4.9%)  | 
| Sep 2014 | -  | 34.89%(+9.3%)  | 
| Jun 2014 | -  | 31.93%(-9.9%)  | 
| Mar 2014 | -  | 35.43%(+27.0%)  | 
| Dec 2013 | 32.91%(-13.9%)  | 27.89%(-30.5%)  | 
| Sep 2013 | -  | 40.13%(+9.0%)  | 
| Jun 2013 | -  | 36.80%(+36.2%)  | 
| Mar 2013 | -  | 27.01%  | 
| Dec 2012 | 38.22%(-6.6%)  | -  | 
| Dec 2011 | 40.90%  | -  | 
FAQ
- What is Synchrony Financial annual operating profit margin?
 - What is the all-time high annual operating margin for Synchrony Financial?
 - What is Synchrony Financial annual operating margin year-on-year change?
 - What is Synchrony Financial quarterly operating profit margin?
 - What is the all-time high quarterly operating margin for Synchrony Financial?
 - What is Synchrony Financial quarterly operating margin year-on-year change?
 
What is Synchrony Financial annual operating profit margin?
The current annual operating margin of SYF is 25.92%
What is the all-time high annual operating margin for Synchrony Financial?
Synchrony Financial all-time high annual operating profit margin is 53.18%
What is Synchrony Financial annual operating margin year-on-year change?
Over the past year, SYF annual operating profit margin has changed by +4.79% (+22.67%)
What is Synchrony Financial quarterly operating profit margin?
The current quarterly operating margin of SYF is 33.68%
What is the all-time high quarterly operating margin for Synchrony Financial?
Synchrony Financial all-time high quarterly operating profit margin is 66.18%
What is Synchrony Financial quarterly operating margin year-on-year change?
Over the past year, SYF quarterly operating profit margin has changed by +8.91% (+35.97%)