| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 23.71% | 21.70% | 16.42% | 25.84% | 41.41% | 12.41% | — | — | — | — | — | — |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | 0.91 | 0.93 | 1.15 | 1.10 | 1.06 | 1.24 | 1.32 | 1.63 | 1.46 | 1.42 | 1.93 | — |
| ROE | 21.19% | 21.10% | 16.10% | 23.43% | 30.91% | 10.90% | 24.83% | 19.01% | 13.59% | 15.86% | 17.57% | 20.13% |
| ROA | 2.98% | 2.93% | 1.91% | 2.88% | 4.41% | 1.44% | 3.57% | 2.61% | 2.02% | 2.50% | 2.63% | 2.79% |
| Asset Turnover | 0.13 | 0.13 | 0.12 | 0.11 | 0.11 | 0.12 | — | — | — | — | — | — |
| Book Value / Share | 44.84 | 41.39 | 32.83 | 26.63 | 23.99 | 21.50 | 22.40 | 19.65 | 17.80 | 17.07 | 15.09 | 13.83 |
Synchrony Financial is a consumer financial services company specializing in private label credit cards, co-branded credit products, and installment lending. Headquartered in Stamford, Connecticut, the company partners with retailers, healthcare providers, manufacturers, and digital platforms to offer financing solutions at the point of sale. Synchrony Financial focuses on sectors such as retail, digital commerce, health and wellness, home, automotive, and pet-related services, helping merchants integrate payment options that support customer purchases and loyalty. Its offerings include revolving credit, promotional financing, and customized credit programs tailored to partner needs. By combining underwriting expertise with data analytics and digital capabilities, Synchrony Financial plays a significant role in enabling consumer spending and supporting partner growth across a wide range of industries.