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) Total debt
Synchrony Financial's total debt at the end of fiscal 2025 was $15.2B, unchanged from fiscal 2024. At the end of the quarter to 30 June 2026 it was $16.4B. Over the past ten years it has ranged from $14.2B (fiscal 2022) to $24.3B (fiscal 2015); the current reading is higher than 27% of that period. Synchrony Financial ranks 9th of 53 Credit Services companies by total debt.
Total debt, annual
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Annual newest first
| Period | Total debt | Change |
|---|---|---|
| FY2025 | $15.2B | (1.81%) |
| FY2024 | $15.5B | (3.25%) |
| FY2023 | $16.0B | 12.62% |
| FY2022 | $14.2B | (2.18%) |
| FY2021 | $14.5B | (8.04%) |
| FY2020 | $15.8B | (20.59%) |
| FY2019 | $19.9B | (17.21%) |
| FY2018 | $24.0B | 15.37% |
| FY2017 | $20.8B | 3.24% |
| FY2016 | $20.1B | (17.02%) |
Quarterly newest first
| Period | Total debt | Change |
|---|---|---|
| Jun 2026 | $16.4B | 0.02% |
| Mar 2026 | $16.4B | 8.21% |
| Dec 2025 | $15.2B | 5.20% |
| Sep 2025 | $14.4B | (9.86%) |
| 41 more quarters | Free account |
Against its own ten years
Total debt against peers
| Company | Total debt |
|---|---|
| OMF OneMain Holdings, Inc. compare | $22.8B |
| ALLY Ally Financial Inc. compare | $17.1B |
| SYF Synchrony Financial | $16.4B |
| PYPL PayPal Holdings, Inc. compare | $13.4B |
| AFRM Affirm Holdings, Inc. compare | $10.0B |
| CACC Credit Acceptance Corporation compare | $6.3B |
| SOFI SoFi Technologies, Inc. compare | $3.3B |
| FCFS FirstCash Holdings, Inc. compare | $2.3B |
| KLAR Klarna Group plc compare | — |
What Total debt is
Total Debt tells an investor how much a company has borrowed in all, whether the money is due within a year or later.
Long Term Debt (Total) + Current Part of Debt
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
- Current ratio
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement