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Friday 6 November 2026 Export SYF’s income statement to Excel — free account

Synchrony Financial

SYF Financial Credit Services

Synchrony Financial’s revenue for fiscal 2025 (year ended December 2025) was $23.1 billion, down 4.32% from fiscal 2024.

Revenue
+0.60%
EPS
−6.23%
Free cash flow
−5.27%
Total debt
+18.0%

Quarter to September 2026, against a year earlier

74.45 0.58 −0.77%
Market cap
$23.1B
P/E
7.7×
Fwd P/E
7.9×
Dividend yield
1.72%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Synchrony Financial (SYF) Current ratio

Alert me on Current ratio

Synchrony Financial's current ratio at the end of the quarter to 30 September 2026 was 1.2×, down 0.0× from fiscal 2025 (1.2×). Over the past ten years it has ranged from 1.2× (fiscal 2022) to 1.6× (fiscal 2015); the current reading is higher than 45% of that period. That is in line with the Credit Services industry median of 1.3× and above the Financial sector median of 1.0×.

Current ratio, annual

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Annual newest first

Period Current ratio Change
FY2025 1.2× 0.16%
FY2024 1.2× 1.80%
FY2023 1.2× 1.35%
FY2022 1.2× (4.06%)
FY2021 1.3× 1.78%
FY2020 1.2× (8.89%)
FY2019 1.4× (4.15%)
FY2018 1.4× (2.54%)
FY2017 1.4× (0.55%)
FY2016 1.5× (11.09%)

Quarterly newest first

Period Current ratio Change
Sep 2026 1.2× 0.42%
Jun 2026 1.2× (1.93%)
Mar 2026 1.2× 0.06%
Dec 2025 1.2× 0.03%
43 more quarters

Against its own ten years

Low 1.2× High 1.6×
Ten-year median 1.3×
Current reading's percentile 45

Current ratio against peers

Company Current ratio
CACC Credit Acceptance Corporation compare 13.5×
AFRM Affirm Holdings, Inc. compare 11.8×
FCFS FirstCash Holdings, Inc. compare 4.8×
PYPL PayPal Holdings, Inc. compare 1.3×
SYF Synchrony Financial 1.2×
KLAR Klarna Group plc compare 1.1×
ALLY Ally Financial Inc. compare 0.9×
SOFI SoFi Technologies, Inc. compare 0.0×
OMF OneMain Holdings, Inc. compare 0.0×
Credit Services industry median 1.3×
Financial sector median 1.0×
Market median 1.6×

What Current ratio is

Current Ratio shows whether a company’s short-term assets are enough to cover the bills and debts it must pay within the next year.

Current Assets (Total) ÷ Current Liabilities (Total)

The full definition of Current ratio →

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