Synchrony Financial (SYF-PA) Debt Ratio (2013 - 2026)

Synchrony Financial (SYF-PA) posted Debt Ratio of 0.06 for Q1 2026, up 8.83% quarter-over-quarter from 0.06 in Q4 2025, and down 10.37% year-on-year from 0.07 in Q1 2025.

Synchrony Financial (SYF-PA) Debt Ratio (2013 - 2026) Analysis & Trends

Synchrony Financial (SYF-PA) has reported Debt Ratio for 14 consecutive years, with 0.06 the latest figure, recorded in Q1 2026.

  • Debt Ratio for Q1 2026 came in at 0.06, down 10.37% year-over-year; the trailing twelve-month figure through Mar 2026 was 0.06 (down 10.37% YoY), and the FY2025 annual result was 0.06, down 10.92% from the prior year.
  • Debt Ratio was 0.06 for Q1 2026 at Synchrony Financial, up from 0.06 in the prior quarter.
  • Over five years, Debt Ratio peaked at 0.08 in Q1 2023 and troughed at 0.06 in Q4 2025.
  • Average Debt Ratio over 5 years is 0.07, with a median of 0.07 recorded in 2022.
  • Year-over-year, Debt Ratio gained 17.89% in 2023 and fell 17.18% in 2024.
  • Over 5 years, Debt Ratio stood at 0.08 in 2022, then declined by 2.6% to 0.07 in 2023, then decreased by 14.02% to 0.06 in 2024, then fell by 10.92% to 0.06 in 2025, then rose by 8.83% to 0.06 in 2026.
  • Per Business Quant data, the three most recent Debt Ratio figures were 0.06 in Q1 2026, 0.06 in Q4 2025, and 0.06 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 0.25
2 Mastercard 465.55 Bn 455.34 Bn - 0.36
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 0.01
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 0.12
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 0.18
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.02
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 0.60
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 3.53
10 Synchrony Financial - - - 0.06

Historic Data

Download Data
DateValue
Mar 31, 2026 0.06
Dec 31, 2025 0.06
Sep 30, 2025 0.06
Jun 30, 2025 0.06
Mar 31, 2025 0.07
Dec 31, 2024 0.06
Sep 30, 2024 0.06
Jun 30, 2024 0.07
Mar 31, 2024 0.07
Dec 31, 2023 0.07
Sep 30, 2023 0.08
Jun 30, 2023 0.08
Mar 31, 2023 0.08
Dec 31, 2022 0.08
Sep 30, 2022 0.08
Jun 30, 2022 0.07
Mar 31, 2022 0.08
Dec 31, 2021 0.08
Sep 30, 2021 0.07
Jun 30, 2021 0.07