SYFNEUTRAL

SYF Return on Equity (ROE) Analysis

20.8%

Updated 9h ago·SEC filings & market data

Key Takeaway

Return on equity (ROE) measures how much profit a company generates from each dollar of shareholders’ equity, so SYF’s 20.8% means it earns $0.208 per dollar of invested equity.

Sector Performance

68th percentile

SYF

20.8%

Sector Median

13.3%

Sector Avg

16.9%

Prior Period

21.8%(Jul 2026)

↓ Declining

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Deep Analysis

Return on equity (ROE) measures how much profit a company generates from each dollar of shareholders’ equity, so SYF’s 20.8% means it earns $0.208 per dollar of invested equity.

This outpaces the sector median of 13.4%, placing SYF in the 69th percentile among its peers, indicating above-average profitability. The trend is largely unavailable: year-over-year change is N/A, the last eight quarters show no direction, and the only quarter-over-quarter change is a decline of 4.6% from the prior 21.8%. Despite the high level, the recent quarterly dip introduces some uncertainty about whether the outperformance can persist. The combination of a strong ROE with a slight downward move suggests moderate opportunity but limited immediate risk. This metric supports the overall NEUTRAL verdict, as the healthy profitability is offset by the negative quarterly momentum.

Frequently Asked Questions

What does the Return on Equity (ROE) tell investors about SYF?

ROE measures how effectively management turns equity into profit. Consistently above 15% is typically considered strong. Negative equity distorts this metric.

How is the Return on Equity (ROE) calculated?

Return on Equity (ROE) is calculated as: Net Income / Shareholders' Equity.

Who are SYF's closest peers by Return on Equity (ROE)?

The closest peers by Return on Equity (ROE) include: LOW (-67.1%), MAR (-69.0%), BMBL (-76.9%), WBA (-82.7%), NIO (-84.0%).

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Learn More About Return on Equity (ROE)

What Is Return on Equity (ROE) and Is Higher Always Better?

Return on equity ROE measures how efficiently a company generates profit from shareholder capital. Learn how to decompose ROE using DuPont analysis and why high leverage can make it dangerous—with Apple and JPMorgan examples.

The Formula

Net Income / Shareholders' Equity

Why It Matters

ROE measures how effectively management turns equity into profit. Consistently above 15% is typically considered strong. Negative equity distorts this metric.