Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Synchrony Financial's quarterly P/E stands at 6.2x, down 3.4% year-over-year. EV/EBITDA has expanded 6.2% YoY to 4.0x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.08 | 6.21 | 6.67 | 7.00 | 8.51 | 6.43 | 7.61 | 3.43 | 9.27 | 5.16 | 6.42 | 5.39 | 6.52 |
| — | -3.4% | -12.3% | +104.0% | -8.2% | +24.5% | +18.5% | -36.2% | +42.2% | +9.2% | +50.7% | +10.8% | -16.8% | |
| P/S Ratio | 1.20 | 1.39 | 1.34 | 1.07 | 1.30 | 0.99 | 0.97 | 0.90 | 0.83 | 0.72 | 0.86 | 0.81 | 1.00 |
| — | +40.7% | +38.2% | +19.3% | +56.2% | +38.4% | +13.3% | +11.3% | -16.4% | -28.2% | -21.1% | -45.9% | -53.2% | |
| P/B Ratio | 1.67 | 1.58 | 1.49 | 1.24 | 1.55 | 1.24 | 1.22 | 1.15 | 1.14 | 0.93 | 1.08 | 0.96 | 1.15 |
| — | +27.6% | +22.1% | +7.9% | +35.9% | +33.2% | +13.7% | +19.5% | -0.6% | -8.9% | +5.3% | -28.5% | -37.9% | |
| P/FCF | 2.53 | 2.56 | 2.47 | 2.34 | 2.73 | 1.79 | 1.91 | 1.96 | 1.71 | 1.29 | 1.89 | 1.69 | 2.00 |
| — | +42.8% | +29.2% | +19.7% | +59.6% | +38.9% | +1.4% | +16.2% | -14.4% | -36.5% | +0.2% | -48.0% | -36.5% | |
| EV / EBITDA | 5.09 | 4.04 | 3.96 | 3.61 | 6.04 | 3.80 | 4.15 | 1.88 | 6.68 | 3.26 | 4.65 | 3.43 | 5.54 |
| — | +6.2% | -4.4% | +92.1% | -9.6% | +16.6% | -10.9% | -45.2% | +20.7% | -14.3% | +43.9% | -12.2% | -18.6% | |
| EV / EBIT | 5.63 | 4.40 | 4.35 | 4.06 | 6.79 | 4.25 | 4.74 | 2.01 | 8.14 | 3.72 | 5.36 | 3.91 | 6.29 |
| — | +3.5% | -8.2% | +102.5% | -16.7% | +14.4% | -11.6% | -48.6% | +29.4% | -12.3% | +50.9% | -7.8% | -16.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Synchrony Financial's operating margin was 29.6% in Q3 2025, up 2.9 pp QoQ and up 9.0 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 24.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 24.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 45.2% | 55.4% | 53.1% | 46.4% | 45.5% | 44.4% | 41.3% | 37.7% | 39.1% | 44.5% | 45.6% | 48.5% | 51.2% |
| — | +24.6% | +28.4% | +22.9% | +16.4% | -0.1% | -9.3% | -22.3% | -23.6% | -25.4% | -33.3% | -35.4% | -30.3% | |
| Operating Margin | 21.9% | 29.6% | 26.7% | 20.5% | 19.8% | 20.6% | 17.3% | 34.9% | 11.4% | 18.6% | 17.7% | 20.1% | 20.1% |
| — | +43.5% | +54.4% | -41.3% | +74.0% | +10.5% | -2.4% | +73.9% | -43.3% | -32.7% | -47.8% | -50.7% | -43.4% | |
| Net Margin | 16.9% | 22.3% | 20.5% | 15.8% | 15.7% | 15.8% | 13.2% | 26.4% | 9.3% | 14.1% | 13.6% | 15.3% | 15.6% |
| — | +40.9% | +56.0% | -40.4% | +69.6% | +12.5% | -3.0% | +73.0% | -40.6% | -33.4% | -46.9% | -50.4% | -43.3% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 23.0% | 6.3% | 5.8% | 4.6% | 4.8% | 5.0% | 4.2% | 8.9% | 3.2% | 4.6% | 4.3% | 4.6% | 4.5% |
| — | +26.5% | +38.2% | -48.5% | +49.5% | +8.2% | -2.6% | +92.1% | -28.7% | -13.1% | -28.6% | -33.0% | -24.4% | |
| ROA | 3.0% | 0.9% | 0.8% | 0.6% | 0.6% | 0.7% | 0.5% | 1.1% | 0.4% | 0.6% | 0.5% | 0.6% | 0.6% |
| — | +37.8% | +49.9% | -42.1% | +69.8% | +16.2% | +1.3% | +91.5% | -32.0% | -21.0% | -37.8% | -42.0% | -35.1% | |
| ROIC | 11.0% | 3.3% | 2.8% | 2.2% | 2.3% | 2.5% | 2.0% | 4.2% | 1.4% | 2.2% | 2.0% | 2.1% | 2.0% |
| — | +35.4% | +40.0% | -46.2% | +67.0% | +11.3% | +1.3% | +94.7% | -32.8% | -15.6% | -34.7% | -36.2% | -28.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Synchrony Financial's Debt/EBITDA ratio is 9.3x, down from 11.6x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.93 | 0.85 | 0.94 | 1.03 | 0.93 | 0.98 | 1.01 | 1.06 | 1.15 | 1.11 | 1.06 | 1.13 | 1.10 |
| — | -13.6% | -6.1% | -2.8% | -18.9% | -11.6% | -5.4% | -6.7% | +4.3% | +0.5% | +17.2% | +13.7% | +3.8% | |
| Debt / EBITDA | 3.07 | 9.27 | 11.62 | 15.34 | 14.15 | 13.60 | 16.20 | 8.83 | 24.33 | 16.05 | 16.64 | 16.57 | 16.85 |
| — | -31.9% | -28.3% | +73.7% | -41.8% | -15.2% | -2.6% | -46.7% | +44.3% | +15.1% | +60.5% | +66.2% | +33.8% | |
| Current Ratio | 0.22 | 0.24 | 0.27 | 0.29 | 0.22 | 0.25 | 0.26 | 0.28 | 0.22 | 0.22 | 0.21 | 0.24 | 0.20 |
| — | -3.7% | +5.9% | +5.9% | -2.6% | +11.7% | +22.4% | +13.8% | +13.7% | -4.9% | -7.0% | +9.0% | -2.8% | |
| Quick Ratio | 0.22 | 0.24 | 0.27 | 0.29 | 0.22 | 0.25 | 0.26 | 0.28 | 0.22 | 0.22 | 0.21 | 0.24 | 0.20 |
| — | -3.7% | +5.9% | +5.9% | -2.6% | +11.7% | +22.4% | +13.8% | +13.7% | -4.9% | -7.0% | +9.0% | -2.8% | |
| Interest Coverage | 0.98 | 1.41 | 1.18 | 0.91 | 0.87 | 0.87 | 0.72 | 1.47 | 0.50 | 0.84 | 0.82 | 1.07 | 1.23 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationCompare performance and metrics against top competitors.
Start ComparisonSynchrony Financial's current P/E is 8.1x. The average P/E over the last 4 quarters is 7.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Synchrony Financial's current operating margin is 21.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Synchrony Financial's business trajectory between earnings reports.