Synchrony Financial
Synchrony Financial margins
Profitability and cash generation as a share of revenue.
Gross margin
%
The reported inputs required for this metric are unavailable in the extracted statements for this period.
Operating margin
%
Operating income is unavailable in the extracted statements for this period.
Net margin
%
The reported inputs required for this metric are unavailable in the extracted statements for this period.
EBITDA margin
%
Operating income is unavailable in the extracted statements for this period.
Operating cash flow margin
%
The reported inputs required for this metric are unavailable in the extracted statements for this period.
Free cash flow margin
%
The reported inputs required for this metric are unavailable in the extracted statements for this period.
Capex / revenue
%
The reported inputs required for this metric are unavailable in the extracted statements for this period.
SBC / revenue
%
The reported inputs required for this metric are unavailable in the extracted statements for this period.
Annual data
| Fiscal period | Ended | Gross margin% | Operating margin% | Net margin% | EBITDA margin% | Operating cash flow margin% | Free cash flow margin% | Capex / revenue% | SBC / revenue% |
|---|---|---|---|---|---|---|---|---|---|
| FY 2025 | Dec 31, 2025 | — | — | — | — | — | — | — | — |
| FY 2024 | Dec 31, 2024 | — | — | — | — | — | — | — | — |
| FY 2023 | Dec 31, 2023 | — | — | — | — | — | — | — | — |
| FY 2022 | Dec 31, 2022 | — | — | — | — | — | — | — | — |
| FY 2021 | Dec 31, 2021 | — | — | — | — | — | — | — | — |
| FY 2020 | Dec 31, 2020 | — | — | — | — | — | — | — | — |
| FY 2019 | Dec 31, 2019 | — | — | — | — | — | — | — | — |
| FY 2018 | Dec 31, 2018 | — | — | — | — | — | — | — | — |
| FY 2017 | Dec 31, 2017 | — | — | — | — | — | — | — | — |
| FY 2016 | Dec 31, 2016 | — | — | — | — | — | — | — | — |
| FY 2015 | Dec 31, 2015 | — | — | — | — | — | — | — | — |
| FY 2014 | Dec 31, 2014 | — | — | — | — | — | — | — | — |
Sources and calculations
Financial inputs from company filings. Last checked Oct 18, 2026. A dash means missing inputs or an undefined calculation.
Period changes use the preceding fiscal quarter or year. Percentage changes divide by the absolute prior value; a zero or missing baseline has no percentage change. Percentage metrics show changes in percentage points.
FCF subtracts reported cash capital investment. PPE purchases are preferred; the productive-assets fallback also includes software and intangibles. Acquisitions and noncash lease additions are excluded. EPS and weighted shares are not summed across quarters. Annual figures use annual reports.
The SBC option subtracts reported share-based compensation from FCF as an economic-cost scenario. Missing SBC never becomes zero.
Market prices: Yahoo Finance · SYF, USD. Latest completed close Sep 25, 2026. Price data retrieved Sep 28, 2026.
- Gross margin
- Gross profit / revenue × 100. Uses revenue − reported cost of revenue when gross profit is absent.
- Operating margin
- Operating income / revenue × 100. Uses reported operating income, or reported pretax income less the complete nonoperating income/expense total when both are available.
- Net margin
- Reported net income / revenue × 100.
- EBITDA margin
- (Operating income + reported depreciation and amortization) / revenue × 100. An EBITDA proxy, not adjusted EBITDA.
- Operating cash flow margin
- Operating cash flow / revenue × 100.
- Free cash flow margin
- Free cash flow / revenue × 100. Reflects the selected reported capex scope and the SBC option.
- Capex / revenue
- Reported cash capital investment / revenue × 100. Uses PPE purchases or, when those are not separately tagged, the broader productive-assets total.
- SBC / revenue
- Reported share-based compensation / revenue × 100.