Synchrony Financial (SYF) Asset Utilization Ratio (2014 - 2026)
Synchrony Financial posted quarterly Asset Utilization Ratio of 0.16 for Q1 2026, up 3.39% year-on-year from 0.15 in Q1 2025, and down 1.08% on a QoQ basis from 0.16 in Q4 2025.
Synchrony Financial (SYF) Asset Utilization Ratio (2014 - 2026) Analysis & Trends
Synchrony Financial (SYF) has 13 years of Asset Utilization Ratio data on file, last reported at 0.16 in Q1 2026.
- For the quarter ending Q1 2026, Asset Utilization Ratio rose 3.39% year-over-year to 0.16; the trailing twelve-month figure through Mar 2026 stood at 0.16 (up 3.39% YoY), and the FY2025 full-year result was 0.16, down 3.45% from the prior year.
- Asset Utilization Ratio for Q1 2026 stood at 0.16, down from 0.16 in the prior quarter.
- Across five years, Asset Utilization Ratio topped out at 0.17 in Q3 2022 and bottomed at 0.15 in Q3 2023.
- The 5-year median for Asset Utilization Ratio is 0.16 (2024), against an average of 0.16.
- The widest annual swing landed in 2023, when Asset Utilization Ratio slipped 10.97%; it then climbed 6.31% in 2024.
- A 5-year view of Asset Utilization Ratio shows it stood at 0.16 in 2022, then fell by 0.21% to 0.16 in 2023, then gained by 5.21% to 0.16 in 2024, then slipped by 1.72% to 0.16 in 2025, then decreased by 1.08% to 0.16 in 2026.
- The last three Asset Utilization Ratio figures came in at 0.16 (Q1 2026), 0.16 (Q4 2025), and 0.16 (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 0.45 |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 0.64 |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 0.24 |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 0.09 |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 0.42 |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 0.16 |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 0.16 |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 0.08 |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 0.04 |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 0.14 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.16 |
| Dec 31, 2025 | 0.16 |
| Sep 30, 2025 | 0.16 |
| Jun 30, 2025 | 0.15 |
| Mar 31, 2025 | 0.15 |
| Dec 31, 2024 | 0.16 |
| Sep 30, 2024 | 0.16 |
| Jun 30, 2024 | 0.16 |
| Mar 31, 2024 | 0.16 |
| Dec 31, 2023 | 0.16 |
| Sep 30, 2023 | 0.15 |
| Jun 30, 2023 | 0.15 |
| Mar 31, 2023 | 0.16 |
| Dec 31, 2022 | 0.16 |
| Sep 30, 2022 | 0.17 |
| Jun 30, 2022 | 0.17 |
| Mar 31, 2022 | 0.16 |
| Dec 31, 2021 | 0.16 |
| Sep 30, 2021 | 0.17 |
| Jun 30, 2021 | 0.17 |