Synchrony Financial (SYF) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Synchrony Financial had a P/E ratio of 8.66 (up from 7.38), return on equity of 21.3% (down from 23.0%), debt-to-equity of 0.91 (down from 0.93) and return on assets of 3.0% (up from 2.9%). Its dividend yield was 1.33% with a payout ratio of 14.4%.

Synchrony Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	8.66	7.38	7.20	4.98	6.08	15.09
Forward P/E	9.14	9.08	7.20	6.59	7.93	10.48
P/S Ratio	3.08	2.69	2.06	1.78	2.68	3.46
P/B Ratio	1.79	1.53	1.14	1.15	1.86	1.59
Price/Tangible Book	2.33	1.91	1.39	1.44	2.38	2.08
Price/OCF	3.05	2.57	1.84	2.21	3.58	2.71
PEG Ratio	0.59	0.22	0.23	0.24	0.15	10.67
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	21.30%	22.96%	16.72%	22.74%	32.03%	9.97%
Return on Assets (ROA)	2.98%	2.95%	2.02%	3.01%	4.40%	1.38%
Leverage & Solvency Ratios
Debt/Equity	0.91	0.93	1.15	1.10	1.06	1.24
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	11.82%	13.83%	14.16%	20.37%	16.63%	6.83%
Dividend Yield	1.33%	1.53%	2.47%	2.66%	1.83%	2.84%
Payout Ratio	14.36%	13.43%	20.02%	15.78%	12.84%	40.58%
Buyback Yield	6.67%	5.41%	12.39%	15.09%	3.64%	12.28%
Total Return	7.99%	6.94%	14.86%	17.75%	5.47%	15.12%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Synchrony Financial Financial Ratios

What is Synchrony Financial's P/E ratio?

Synchrony Financial's P/E ratio was 8.66 for fiscal 2025 (period ended Dec 31, 2025). It was 7.38 a year earlier.

What is Synchrony Financial's return on equity?

Synchrony Financial's return on equity (ROE) was 21.3% for fiscal 2025 (period ended Dec 31, 2025). It was 23.0% a year earlier.

What is Synchrony Financial's debt-to-equity ratio?

Synchrony Financial's debt-to-equity ratio was 0.91 for fiscal 2025 (period ended Dec 31, 2025). It was 0.93 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition