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NYSE · SYFFinancial - Credit ServicesUpdated Nov 5, 2026

Synchrony Financial ROE

Profitability, historical returns, and peer comparisons.

The ROE as of November 2026 (TTM) for Synchrony Financial (SYF) is 19.99%

According to Synchrony Financial’s latest financial reports and current stock price. The company's current ROE is 19.99%. This represents a change of 299.98% compared to the average of 5.00% of the last 4 quarters.

Synchrony Financial (SYF) Historical ROE (quarterly & annually)

How has SYF ROE performed in the past?

The mean historical ROE of Synchrony Financial over the last ten years is 19.69%. The current 19.99% ROE has changed 1.52% with respect to the historical average. Over the past ten years (40 quarters), SYF's ROE was at its highest in in the June 2021 quarter at 8.75%. The ROE was at its lowest in in the June 2020 quarter at 0.40%.

Quarterly (TTM)
Annual

Average

19.69%

Median

20.06%

Minimum

10.90%

Maximum

30.91%

Synchrony Financial (SYF) ROE by Quarter and Year

Discovering the peaks and valleys of Synchrony Financial ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 183.47%

Maximum Annual ROE = 30.91%

Minimum Annual Increase = -56.09%

Minimum Annual ROE = 10.90%

Quarterly (TTM)
Annual
YearROEChange
202521.19%0.39%
202421.10%31.10%
202316.10%-31.29%
202223.43%-24.21%
202130.91%183.47%
202010.90%-56.09%
201924.83%30.65%
201819.01%39.82%
201713.59%-14.27%
201615.86%-9.73%

Synchrony Financial (SYF) Average ROE

How has SYF ROE performed in the past?

The current ROE of Synchrony Financial (SYF) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

19.46%

5-year avg

22.55%

10-year avg

19.69%

Synchrony Financial (SYF) ROE vs. Peers

How is SYF’s ROE compared to its peers?

Synchrony Financial’s ROE is less than Capital One Financial Corporation (9.67%), less than Bread Financial Holdings, Inc. (15.94%), less than Atlanticus Holdings Corporation (23.09%), less than Affirm Holdings, Inc. (47.91%), less than SoFi Technologies, Inc. (6.76%), greater than Green Dot Corporation (-2.82%), less than American Express Company (35.64%), less than Credit Acceptance Corporation (22.41%), less than PROG Holdings, Inc. (19.25%), less than FirstCash Holdings, Inc (17.73%),

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