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Pretax income is the income that a company earns before paying income taxes. Synchrony Financial's pretax income for the
three
months ended in Jun. 2026 was $1,186 Mil.
Its pretax income for the trailing twelve months (TTM) ended in Jun. 2026 was $4,614 Mil.
Synchrony Financial's pretax margin was 31.90%.
During the past 13 years, Synchrony Financial's highest Pretax Margin was 53.99%. The lowest was 16.10%. And the median was 30.55%.
During the past 13 years, Synchrony Financial's highest Pretax Margin was 53.99%. The lowest was 16.10%. And the median was 30.55%.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Synchrony Financial Pre-Tax Income Related Terms
Synchrony Financial Pre-Tax Income Historical Data
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The historical data trend for Synchrony Financial's Pre-Tax Income can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SYF vs AFRM, SOFI, ALLY: Pre-Tax Income Comparison
For the Credit Services subindustry, Synchrony Financial's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Synchrony Financial Pre-Tax Income vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's Pre-Tax Income distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's Pre-Tax Income falls into.
Pre-Tax Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4,614 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Synchrony Financial (SYF) has a Pre-Tax Income of $4,614 Mil as of Jun. 2026. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Pre-Tax Income too high?
Synchrony Financial's current Pre-Tax Income is $4,614 Mil. Overall, Synchrony Financial has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Pre-Tax Income compare to AFRM and SOFI?
Synchrony Financial's Pre-Tax Income of $4,614 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pre-Tax Income for a Credit Services company?
A good Pre-Tax Income depends on the Credit Services industry context. However, Pre-Tax Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Pre-Tax Income is $4,614 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Synchrony Financial stock overvalued right now?
Based on GuruFocus' analysis, Synchrony Financial (SYF) is currently considered Fairly Valued. The stock's GF Value™ is $78.95, compared to a current price of $75.44 — trading 4.4% below its estimated fair value. The current Pre-Tax Income is $4,614 Mil. Synchrony Financial's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Pre-Tax Income is $4,614 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Synchrony Financial (SYF) Overvalued in 2026?
Based on GuruFocus' analysis, Synchrony Financial stock appears to be undervalued.
The current stock price of $75.44 is trading 4.4% below its estimated GF Value™ of $78.95.
GuruFocus considers Synchrony Financial to be Fairly Valued.
Key valuation signals for SYF:
Pre-Tax Income: $4,614 Mil
GF Value™: $78.95 vs. price of $75.44 (4.4% below fair value)
No single metric tells the full story. See the SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
77GF Score
Get the complete analysis for SYF
Pre-Tax Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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