Annual ROA:
2.95%+0.93%(+46.04%)Summary
- As of today, SYF annual return on assets is 2.95%, with the most recent change of +0.93% (+46.04%) on December 31, 2024.
 - During the last 3 years, SYF annual ROA has fallen by -1.45% (-32.95%).
 - SYF annual ROA is now -32.95% below its all-time high of 4.40%, reached on December 31, 2021.
 
Performance
SYF ROA Chart
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Highlights
Range
Earnings dates
Quarterly ROA:
2.99%+0.26%(+9.52%)Summary
- As of today, SYF quarterly return on assets is 2.99%, with the most recent change of +0.26% (+9.52%) on September 30, 2025.
 - Over the past year, SYF quarterly ROA has increased by +0.31% (+11.57%).
 - SYF quarterly ROA is now -33.26% below its all-time high of 4.48%, reached on December 31, 2021.
 
Performance
SYF Quarterly ROA Chart
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ROA Formula
ROA =  Net Income 
 Total Assets ✕ 100%
Total Assets ✕ 100%
SYF ROA Trends
| PeriodPeriod | AnnualAnnual | QuarterlyQuarterly | 
|---|---|---|
| 1Y1 Year | +46.0% | +11.6% | 
| 3Y3 Years | -33.0% | -12.1% | 
| 5Y5 Years | -16.7% | +116.7% | 
SYF ROA 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 | -33.0% | +46.0% | -12.1% | +47.3% | 
| 5Y | 5-Year | -33.0% | +113.8% | -33.3% | +116.7% | 
| All-Time | All-Time | -33.0% | +113.8% | -33.3% | +116.7% | 
SYF ROA History
| Date | Annual | Quarterly | 
|---|---|---|
| Sep 2025 | -  | 2.99%(+9.5%)  | 
| Jun 2025 | -  | 2.73%(+11.0%)  | 
| Mar 2025 | -  | 2.46%(-16.0%)  | 
| Dec 2024 | 2.95%(+46.0%)  | 2.93%(+9.3%)  | 
| Sep 2024 | -  | 2.68%(+3.5%)  | 
| Jun 2024 | -  | 2.59%(+0.4%)  | 
| Mar 2024 | -  | 2.58%(+27.1%)  | 
| Dec 2023 | 2.02%(-32.9%)  | 2.03%(-8.6%)  | 
| Sep 2023 | -  | 2.22%(-6.3%)  | 
| Jun 2023 | -  | 2.37%(-11.2%)  | 
| Mar 2023 | -  | 2.67%(-13.0%)  | 
| Dec 2022 | 3.01%(-31.6%)  | 3.07%(-9.7%)  | 
| Sep 2022 | -  | 3.40%(-13.3%)  | 
| Jun 2022 | -  | 3.92%(-10.5%)  | 
| Mar 2022 | -  | 4.38%(-2.2%)  | 
| Dec 2021 | 4.40%(+218.8%)  | 4.48%(+1.8%)  | 
| Sep 2021 | -  | 4.40%(+26.1%)  | 
| Jun 2021 | -  | 3.49%(+58.6%)  | 
| Mar 2021 | -  | 2.20%(+56.0%)  | 
| Dec 2020 | 1.38%(-61.0%)  | 1.41%(+2.2%)  | 
| Sep 2020 | -  | 1.38%(-33.3%)  | 
| Jun 2020 | -  | 2.07%(-26.3%)  | 
| Mar 2020 | -  | 2.81%(-20.6%)  | 
| Dec 2019 | 3.54%  | 3.54%(-1.4%)  | 
| Date | Annual | Quarterly | 
|---|---|---|
| Sep 2019 | -  | 3.59%(+9.8%)  | 
| Jun 2019 | -  | 3.27%(+2.8%)  | 
| Mar 2019 | -  | 3.18%(+14.4%)  | 
| Dec 2018 | 2.75%(+32.2%)  | 2.78%(+13.5%)  | 
| Sep 2018 | -  | 2.45%(+2.1%)  | 
| Jun 2018 | -  | 2.40%(+7.1%)  | 
| Mar 2018 | -  | 2.24%(+6.2%)  | 
| Dec 2017 | 2.08%(-19.4%)  | 2.11%(-10.6%)  | 
| Sep 2017 | -  | 2.36%(-4.5%)  | 
| Jun 2017 | -  | 2.47%(-2.0%)  | 
| Mar 2017 | -  | 2.52%(-4.5%)  | 
| Dec 2016 | 2.58%(-6.9%)  | 2.64%(-1.5%)  | 
| Sep 2016 | -  | 2.68%(-1.5%)  | 
| Jun 2016 | -  | 2.72%(-4.6%)  | 
| Mar 2016 | -  | 2.85%(0.0%)  | 
| Dec 2015 | 2.77%(-11.5%)  | 2.85%(-2.1%)  | 
| Sep 2015 | -  | 2.91%(-3.3%)  | 
| Jun 2015 | -  | 3.01%(-1.3%)  | 
| Mar 2015 | -  | 3.05%(-4.4%)  | 
| Dec 2014 | 3.13%(-11.1%)  | 3.19%(+0.6%)  | 
| Sep 2014 | -  | 3.17%(-9.2%)  | 
| Jun 2014 | -  | 3.49%(-5.2%)  | 
| Mar 2014 | -  | 3.68%(+9.9%)  | 
| Dec 2013 | 3.52%(-11.1%)  | 3.35%  | 
| Dec 2012 | 3.96%  | -  | 
FAQ
- What is Synchrony Financial annual return on assets?
 - What is the all-time high annual ROA for Synchrony Financial?
 - What is Synchrony Financial annual ROA year-on-year change?
 - What is Synchrony Financial quarterly return on assets?
 - What is the all-time high quarterly ROA for Synchrony Financial?
 - What is Synchrony Financial quarterly ROA year-on-year change?
 
What is Synchrony Financial annual return on assets?
The current annual ROA of SYF is 2.95%
What is the all-time high annual ROA for Synchrony Financial?
Synchrony Financial all-time high annual return on assets is 4.40%
What is Synchrony Financial annual ROA year-on-year change?
Over the past year, SYF annual return on assets has changed by +0.93% (+46.04%)
What is Synchrony Financial quarterly return on assets?
The current quarterly ROA of SYF is 2.99%
What is the all-time high quarterly ROA for Synchrony Financial?
Synchrony Financial all-time high quarterly return on assets is 4.48%
What is Synchrony Financial quarterly ROA year-on-year change?
Over the past year, SYF quarterly return on assets has changed by +0.31% (+11.57%)