Synchrony Financial SYF
72.94
1.39
1.94%
as of 25 Sep
- Market cap
- $23.3B
- P/E
- 7.4×
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Synchrony Financial (SYF) Debt to equity
Synchrony Financial's debt to equity at the end of the quarter to 30 June 2026 was 1.0×, up 0.1× from fiscal 2025 (0.9×). Over the past ten years it has ranged from 0.9× (fiscal 2025) to 1.9× (fiscal 2015) — the current reading is the lowest in ten years. That is above the Credit Services industry median of 0.7× and above the Financial sector median of 0.2×.
Debt to equity, annual
Annual
| Period | Debt to equity | Change |
|---|---|---|
| FY2025 | 0.9× | (2.91%) |
| FY2024 | 0.9× | (18.87%) |
| FY2023 | 1.1× | 4.27% |
| FY2022 | 1.1× | 3.77% |
| FY2021 | 1.1× | (14.46%) |
| FY2020 | 1.2× | (5.67%) |
| FY2019 | 1.3× | (19.46%) |
| FY2018 | 1.6× | 11.88% |
| FY2017 | 1.5× | 2.96% |
| FY2016 | 1.4× | (26.33%) |
Quarterly
| Period | Debt to equity | Change |
|---|---|---|
| Jun 2026 | 1.0× | (2.46%) |
| Mar 2026 | 1.0× | 10.10% |
| Dec 2025 | 0.9× | 7.08% |
| Sep 2025 | 0.8× | (10.46%) |
| 42 more quarters | Free account |
Against its own ten years
Low 0.9×
High 1.9×
Ten-year median
1.2×
Current reading's percentile
9
Debt to equity against peers
| Company | Debt to equity |
|---|---|
| KLAR Klarna Group plc compare | 0.0× |
| SOFI SoFi Technologies, Inc. compare | 0.3× |
| PYPL PayPal Holdings, Inc. compare | 0.7× |
| SYF Synchrony Financial | 1.0× |
| FCFS FirstCash Holdings, Inc. compare | 1.0× |
| ALLY Ally Financial Inc. compare | 1.1× |
| AFRM Affirm Holdings, Inc. compare | 1.8× |
| CACC Credit Acceptance Corporation compare | 4.0× |
| OMF OneMain Holdings, Inc. compare | 6.7× |
| Credit Services industry median | 0.7× |
| Financial sector median | 0.2× |
| Market median | 0.2× |
What Debt to equity is
Debt to Equity Ratio shows how much a company relies on borrowed money compared with the money its shareholders have in the business.
(Long Term Debt (Total) + Current Part of Debt) ÷ Shareholders Equity (Total)
More on SYF
- Revenue
- Net income
- 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
- EV/EBITDA
- EV/Sales
- Return on equity
- Return on assets
- Return on invested capital
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- The full statement