Synchrony Financial (SYF) Asset Utilization Ratio (2014 - 2026)
Synchrony Financial (SYF) reported Asset Utilization Ratio of 0.16 for Q1 2026, up 3.39% on a YoY basis from 0.15 in Q1 2025, and down 1.08% quarter-over-quarter from 0.16 in Q4 2025.
Synchrony Financial (SYF) Asset Utilization Ratio (2014 - 2026) Analysis & Trends
Synchrony Financial has reported Asset Utilization Ratio for 13 years, with the latest figure 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.
- The five-year high for Asset Utilization Ratio was 0.17 in Q3 2022, with the low at 0.15 in Q3 2023.
- Historically, Asset Utilization Ratio has averaged 0.16 across 5 years, with a median of 0.16 in 2024.
- Annual changes were most pronounced in 2023 — Asset Utilization Ratio slipped 10.97% — and 2024, when it climbed 6.31%.
- Synchrony Financial's Asset Utilization Ratio stood at 0.16 in 2022, then declined by 0.21% to 0.16 in 2023, then rose by 5.21% to 0.16 in 2024, then decreased by 1.72% to 0.16 in 2025, then retreated 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 | 548.22 Bn | 535.81 Bn | - | 0.45 |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 0.64 |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 0.24 |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 0.09 |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 0.42 |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 0.16 |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 0.16 |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | 0.08 |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 0.04 |
| 10 | Credit Acceptance | 6.63 Bn | 6.61 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 |