Synchrony Financial
Synchrony Financial’s revenue for fiscal 2025 (year ended December 2025) was $23.1 billion, down 4.32% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 3.98%, free cash flow fell 5.47% and total debt rose 2.64%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years, operating cash flow growth for three.
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Synchrony Financial (SYF) Current ratio
Synchrony Financial's current ratio at the end of the quarter to 30 June 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 below the Credit Services industry median of 1.5× 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 |
|---|---|---|
| Jun 2026 | 1.2× | (1.93%) |
| Mar 2026 | 1.2× | 0.06% |
| Dec 2025 | 1.2× | 0.03% |
| Sep 2025 | 1.2× | (0.06%) |
| 42 more quarters | Free account |
Against its own ten years
Current ratio against peers
| Company | Current ratio |
|---|---|
| CACC Credit Acceptance Corporation compare | 14.9× |
| AFRM Affirm Holdings, Inc. compare | 11.8× |
| FCFS FirstCash Holdings, Inc. compare | 4.9× |
| 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 | 0.7× |
| OMF OneMain Holdings, Inc. compare | 0.0× |
| Credit Services industry median | 1.5× |
| 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)
More on SYF
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement