Synchrony Financial annual return on equity
2013
2014
2015
2016
2017
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2019
2020
2021
2022
2023
2024
2025
Synchrony Financial Return on Equity (ROE) Growth & History (SYF)
Synchrony Financial's return on equity was 21.30% for fiscal 2025.
View full Synchrony Financial company overviewSynchrony Financial annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 21.30% | −1.65 pp |
| 2024 | 2024-12-31 | 22.96% | +6.24 pp |
| 2023 | 2023-12-31 | 16.72% | −6.02 pp |
| 2022 | 2022-12-31 | 22.74% | −9.29 pp |
| 2021 | 2021-12-31 | 32.03% | +22.06 pp |
| 2020 | 2020-12-31 | 9.97% | −15.21 pp |
| 2019 | 2019-12-31 | 25.18% | +5.88 pp |
| 2018 | 2018-12-31 | 19.30% | +5.69 pp |
| 2017 | 2017-12-31 | 13.61% | −3.19 pp |
| 2016 | 2016-12-31 | 16.80% | −2.39 pp |
| 2015 | 2015-12-31 | 19.18% | −6.48 pp |
| 2014 | 2014-12-31 | 25.66% | −11.89 pp |
| 2013 | 2013-12-31 | 37.55% | — |
Synchrony Financial quarterly return on equity
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Q1.26
Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 5.30% | −0.46 pp |
| Q1 2026 | 2026-03-31 | 4.84% | +0.28 pp |
| Q4 2025 | 2025-12-31 | 4.44% | −0.31 pp |
| Q3 2025 | 2025-09-30 | 6.33% | +1.33 pp |
| Q2 2025 | 2025-06-30 | 5.77% | +1.60 pp |
| Q1 2025 | 2025-03-31 | 4.57% | −4.30 pp |
| Q4 2024 | 2024-12-31 | 4.75% | +1.57 pp |
| Q3 2024 | 2024-09-30 | 5.01% | +0.38 pp |
| Q2 2024 | 2024-06-30 | 4.17% | −0.11 pp |
| Q1 2024 | 2024-03-31 | 8.86% | +4.25 pp |
| Q4 2023 | 2023-12-31 | 3.18% | −1.28 pp |
| Q3 2023 | 2023-09-30 | 4.63% | −0.70 pp |
| Q2 2023 | 2023-06-30 | 4.28% | −1.71 pp |
| Q1 2023 | 2023-03-31 | 4.61% | −2.27 pp |
| Q4 2022 | 2022-12-31 | 4.46% | −1.44 pp |
| Q3 2022 | 2022-09-30 | 5.32% | −2.79 pp |
| Q2 2022 | 2022-06-30 | 6.00% | −2.99 pp |
| Q1 2022 | 2022-03-31 | 6.89% | −0.96 pp |
| Q4 2021 | 2021-12-31 | 5.89% | −0.06 pp |
| Q3 2021 | 2021-09-30 | 8.11% | +5.50 pp |
| Q2 2021 | 2021-06-30 | 8.99% | +8.59 pp |
| Q1 2021 | 2021-03-31 | 7.84% | +5.73 pp |
| Q4 2020 | 2020-12-31 | 5.95% | +1.11 pp |
| Q3 2020 | 2020-09-30 | 2.61% | −4.47 pp |
| Q2 2020 | 2020-06-30 | 0.40% | −5.39 pp |
| Q1 2020 | 2020-03-31 | 2.11% | −5.42 pp |
| Q4 2019 | 2019-12-31 | 4.84% | −0.62 pp |
| Q3 2019 | 2019-09-30 | 7.07% | +2.36 pp |
| Q2 2019 | 2019-06-30 | 5.79% | +0.96 pp |
| Q1 2019 | 2019-03-31 | 7.53% | +3.06 pp |
| Q4 2018 | 2018-12-31 | 5.46% | +2.77 pp |
| Q3 2018 | 2018-09-30 | 4.72% | +0.85 pp |
| Q2 2018 | 2018-06-30 | 4.83% | +1.37 pp |
| Q1 2018 | 2018-03-31 | 4.48% | +0.98 pp |
| Q4 2017 | 2017-12-31 | 2.69% | −1.40 pp |
| Q3 2017 | 2017-09-30 | 3.86% | −0.50 pp |
| Q2 2017 | 2017-06-30 | 3.46% | −0.18 pp |
| Q1 2017 | 2017-03-31 | 3.49% | −1.02 pp |
| Q4 2016 | 2016-12-31 | 4.09% | −0.33 pp |
| Q3 2016 | 2016-09-30 | 4.36% | −0.47 pp |
| Q2 2016 | 2016-06-30 | 3.63% | −1.15 pp |
| Q1 2016 | 2016-03-31 | 4.51% | −0.62 pp |
| Q4 2015 | 2015-12-31 | 4.42% | −0.78 pp |
| Q3 2015 | 2015-09-30 | 4.84% | −1.87 pp |
| Q2 2015 | 2015-06-30 | 4.78% | −2.86 pp |
| Q1 2015 | 2015-03-31 | 5.13% | — |
| Q4 2014 | 2014-12-31 | 5.20% | — |
| Q3 2014 | 2014-09-30 | 6.71% | — |
| Q2 2014 | 2014-06-30 | 7.64% | — |
Synchrony Financial return on equity trends
Over the last five fiscal years, Synchrony Financial's return on equity increased from 9.97% to 21.30%, a change of +11.34 percentage points. The latest reported quarter, Q2 2026, shows 5.30%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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