Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.13 | 6.62 | 7.34 | 7.49 | 10.22 | 6.21 | 6.67 | 7.00 | 8.51 | 6.43 | 7.61 | 3.43 | 9.27 | 5.16 | 6.42 | 5.39 | 6.52 | 4.73 | 4.26 | 4.86 | 7.84 |
| — | +6.6% | +10.0% | +7.0% | +20.2% | -3.4% | -12.3% | +104.0% | -8.2% | +24.5% | +18.5% | -36.2% | +42.2% | +9.2% | +50.7% | +10.8% | -16.8% | -22.6% | -25.5% | -17.3% | +12.0% | |
| P/S Ratio | 1.60 | 1.50 | 1.71 | 1.59 | 1.97 | 1.76 | 1.73 | 1.39 | 1.69 | 1.30 | 1.28 | 1.18 | 1.08 | 0.92 | 1.09 | 0.99 | 1.19 | 1.14 | 1.19 | 1.62 | 2.31 |
| — | -15.0% | -1.5% | +14.8% | +16.6% | +36.0% | +35.5% | +17.5% | +56.0% | +40.9% | +17.2% | +18.8% | -9.3% | -19.1% | -8.3% | -38.6% | -48.3% | -59.1% | -55.1% | -30.0% | +22.1% | |
| P/B Ratio | 1.57 | 1.38 | 1.50 | 1.43 | 1.78 | 1.58 | 1.49 | 1.24 | 1.55 | 1.24 | 1.22 | 1.15 | 1.14 | 0.93 | 1.08 | 0.96 | 1.15 | 1.02 | 1.02 | 1.35 | 1.84 |
| — | -12.5% | +0.8% | +14.9% | +15.0% | +27.6% | +22.1% | +7.9% | +35.9% | +33.2% | +13.7% | +19.5% | -0.6% | -8.9% | +5.3% | -28.5% | -37.9% | -48.6% | -48.6% | -24.2% | +15.1% | |
| P/FCF | 2.51 | 2.29 | 2.62 | 2.70 | 3.04 | 2.56 | 2.47 | 2.34 | 2.73 | 1.79 | 1.91 | 1.96 | 1.71 | 1.29 | 1.89 | 1.69 | 2.00 | 2.03 | 1.88 | 3.24 | 3.14 |
| — | -10.4% | +6.2% | +15.1% | +11.6% | +42.8% | +29.2% | +19.7% | +59.6% | +38.9% | +1.4% | +16.2% | -14.4% | -36.5% | +0.2% | -48.0% | -36.5% | -46.7% | -61.6% | -0.3% | +28.8% | |
| EV / EBITDA | 5.05 | 5.08 | 4.82 | 4.08 | 6.89 | 4.04 | 3.96 | 3.61 | 6.04 | 3.80 | 4.15 | 1.88 | 6.68 | 3.26 | 4.65 | 3.43 | 5.54 | 3.80 | 3.23 | 3.90 | 6.81 |
| — | +25.9% | +21.5% | +13.1% | +14.0% | +6.2% | -4.4% | +92.1% | -9.6% | +16.6% | -10.9% | -45.2% | +20.7% | -14.3% | +43.9% | -12.2% | -18.6% | -20.8% | -26.5% | -1.9% | +14.7% | |
| EV / EBIT | 5.24 | 5.08 | 5.41 | 4.63 | 7.89 | 4.40 | 4.35 | 4.06 | 6.79 | 4.25 | 4.74 | 2.01 | 8.14 | 3.72 | 5.36 | 3.91 | 6.29 | 4.24 | 3.55 | 4.24 | 7.49 |
| — | +15.5% | +24.3% | +14.0% | +16.3% | +3.5% | -8.2% | +102.5% | -16.7% | +14.4% | -11.6% | -48.6% | +29.4% | -12.3% | +50.9% | -7.8% | -16.0% | -16.9% | -23.7% | -0.6% | +14.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.1% | 66.8% | 67.7% | 63.9% | 62.0% | 70.0% | 68.6% | 59.9% | 58.9% | 58.1% | 54.4% | 49.5% | 50.7% | 57.2% | 58.0% | 59.7% | 61.2% | 68.1% | 74.8% | 81.3% | 79.5% |
| — | -4.5% | -1.3% | +6.7% | +5.2% | +20.5% | +26.0% | +21.1% | +16.2% | +1.7% | -6.2% | -17.1% | -17.1% | -16.1% | -22.4% | -26.6% | -23.0% | -31.2% | -23.1% | -6.6% | +10.1% | |
| Operating Margin | 30.8% | 30.9% | 31.9% | 28.3% | 25.1% | 37.4% | 34.4% | 26.5% | 25.6% | 27.0% | 22.7% | 45.8% | 14.7% | 24.0% | 22.5% | 24.7% | 24.0% | 31.6% | 37.1% | 44.1% | 38.4% |
| — | -17.2% | -7.4% | +7.0% | -2.0% | +38.7% | +51.5% | -42.2% | +73.8% | +12.4% | +0.9% | +85.5% | -38.5% | -24.2% | -39.3% | -44.1% | -37.5% | -47.6% | -39.8% | -13.4% | +9.4% | |
| Net Margin | 23.7% | 23.4% | 23.8% | 21.8% | 19.8% | 28.2% | 26.5% | 20.4% | 20.4% | 20.7% | 17.3% | 34.7% | 12.0% | 18.1% | 17.3% | 18.8% | 18.7% | 24.1% | 28.0% | 33.4% | 29.8% |
| — | -17.1% | -10.2% | +6.9% | -2.8% | +36.2% | +53.1% | -41.3% | +69.3% | +14.5% | +0.3% | +84.6% | -35.5% | -25.1% | -38.3% | -43.7% | -37.4% | -47.5% | -40.0% | -16.0% | +8.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 21.3% | 5.3% | 5.3% | 4.8% | 4.4% | 6.3% | 5.8% | 4.6% | 4.8% | 5.0% | 4.2% | 8.9% | 3.2% | 4.6% | 4.3% | 4.6% | 4.5% | 5.3% | 6.0% | 6.9% | 5.9% |
| — | -15.8% | -8.0% | +6.1% | -6.6% | +26.5% | +38.2% | -48.5% | +49.5% | +8.2% | -2.6% | +92.1% | -28.7% | -13.1% | -28.6% | -33.0% | -24.4% | -34.4% | -33.3% | -12.2% | -1.0% | |
| ROA | 3.0% | 0.7% | 0.7% | 0.7% | 0.6% | 0.9% | 0.8% | 0.6% | 0.6% | 0.7% | 0.5% | 1.1% | 0.4% | 0.6% | 0.5% | 0.6% | 0.6% | 0.7% | 0.8% | 1.0% | 0.9% |
| — | -19.5% | -8.8% | +6.7% | -1.9% | +37.8% | +49.9% | -42.1% | +69.8% | +16.2% | +1.3% | +91.5% | -32.0% | -21.0% | -37.8% | -42.0% | -35.1% | -42.2% | -36.2% | -8.7% | +12.5% | |
| ROIC | 10.8% | 2.6% | 2.7% | 2.4% | 2.3% | 3.3% | 2.8% | 2.2% | 2.3% | 2.5% | 2.0% | 4.2% | 1.4% | 2.2% | 2.0% | 2.1% | 2.0% | 2.6% | 3.1% | 3.4% | 2.9% |
| — | -20.4% | -5.1% | +7.7% | -1.8% | +35.4% | +40.0% | -46.2% | +67.0% | +11.3% | +1.3% | +94.7% | -32.8% | -15.6% | -34.7% | -36.2% | -28.6% | -36.8% | -30.2% | -2.6% | +13.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.91 | 1.03 | 0.97 | 1.00 | 0.91 | 0.85 | 0.94 | 1.03 | 0.93 | 0.98 | 1.01 | 1.06 | 1.15 | 1.11 | 1.06 | 1.13 | 1.10 | 1.10 | 0.91 | 1.00 | 1.06 |
| — | +21.6% | +3.0% | -2.8% | -2.9% | -13.6% | -6.1% | -2.8% | -18.9% | -11.6% | -5.4% | -6.7% | +4.3% | +0.5% | +17.2% | +13.7% | +3.8% | +20.2% | -4.2% | -11.7% | -14.5% | |
| Debt / EBITDA | 2.96 | 14.42 | 12.35 | 13.81 | 13.92 | 9.27 | 11.62 | 15.34 | 14.15 | 13.60 | 16.20 | 8.83 | 24.33 | 16.05 | 16.64 | 16.57 | 16.85 | 13.94 | 10.37 | 9.97 | 12.59 |
| — | +55.5% | +6.3% | -10.0% | -1.6% | -31.9% | -28.3% | +73.7% | -41.8% | -15.2% | -2.6% | -46.7% | +44.3% | +15.1% | +60.5% | +66.2% | +33.8% | +74.1% | +34.0% | -7.3% | -17.2% | |
| Current Ratio | 0.21 | — | 3.72 | 1.33 | 0.21 | 0.24 | 0.27 | 0.29 | 0.22 | 0.25 | 0.26 | 0.28 | 0.22 | 0.22 | 0.21 | 0.24 | 0.20 | 0.23 | 0.23 | 0.22 | 0.20 |
| — | — | +1269.4% | +355.5% | -1.5% | -3.7% | +5.9% | +5.9% | -2.6% | +11.7% | +22.4% | +13.8% | +13.7% | -4.9% | -7.0% | +9.0% | -2.8% | -0.7% | -13.9% | -35.5% | -28.4% | |
| Quick Ratio | 0.21 | — | 3.72 | 1.33 | 0.21 | 0.24 | 0.27 | 0.29 | 0.22 | 0.25 | 0.26 | 0.28 | 0.22 | 0.22 | 0.21 | 0.24 | 0.20 | 0.23 | 0.23 | 0.22 | 0.20 |
| — | — | +1269.4% | +355.5% | -1.5% | -3.7% | +5.9% | +5.9% | -2.6% | +11.7% | +22.4% | +13.8% | +13.7% | -4.9% | -7.0% | +9.0% | -2.8% | -0.7% | -13.9% | -35.5% | -28.4% | |
| Interest Coverage | 1.12 | 1.21 | 1.22 | 1.08 | 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 | 2.23 | 3.92 | 5.29 | 4.70 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying SYF stock.
Synchrony Financial's current P/E is 7.1x. The average P/E over the last 4 quarters is 7.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Synchrony Financial's current operating margin is 30.8%. 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.