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Synchrony Financial key statistics and ratios

In fiscal 2025, Synchrony Financial had return on equity of 21.3% and a net margin of 18.7%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Net margin21.1%17.9%17.9%17.7%16.2%12.6%17.0%21.8%9.4%28.7%18.8%12.9%17.9%18.7%17.3%
Return on equity46.2%37.5%25.7%19.2%16.8%13.6%19.3%25.2%10.0%32.0%22.7%16.7%23.0%21.3%20.0%
Return on assets—3.3%3.1%2.8%2.6%2.1%2.8%3.5%1.4%4.4%3.0%2.0%3.0%3.0%2.8%
Effective tax rate37.2%37.0%37.7%37.3%36.9%41.8%23.4%23.3%22.9%23.3%23.9%22.9%23.1%23.1%23.7%
Dividends ÷ net income——0.0%0.0%9.5%23.0%19.1%15.5%37.5%11.8%14.4%18.1%11.4%12.0%12.6%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

56 /100

Moderate moat

How hard Synchrony Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 1 / 20

    Net income has been a median 2.7% of total assets over 10 years.

  • Durability 12 / 20

    Net margin has been a median 16.8%; its worst year was 9.1%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 10 of 10 years, at a median 48.3% of revenue.

  • Discipline 15 / 20

    The diluted share count fell 41.4% over five years.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (61 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Synchrony Financial's SEC filings (10-K and 10-Q), retrieved October 23, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Synchrony Financial.