Synchrony Financial SYF
NYSE SYF
$75.03 +0.61 (+0.82%)
At close: Sep 18, 2026 · 4:00 PM EDT

Synchrony Financial (SYF) Asset Utilization Ratio (2014 - 2026)

Synchrony Financial's (SYF) quarterly Asset Utilization Ratio came in at 0.16 in Q2 2026, up 3.22% on a YoY basis from 0.16 in Q2 2025, and little changed quarter-over-quarter from 0.16 in Q1 2026.

Analysis

Synchrony Financial (SYF) Asset Utilization Ratio (2014 - 2026) Analysis & Trends

Synchrony Financial (SYF) has reported Asset Utilization Ratio for 13 consecutive years, with 0.16 the latest figure, recorded in Q2 2026.

  • For the quarter ending Q2 2026, Asset Utilization Ratio rose 3.22% year-over-year to 0.16; the trailing twelve-month figure through Jun 2026 stood at 0.16 (up 3.22% YoY), and the FY2025 full-year result was 0.16, down 2.56% from the prior year.
  • Asset Utilization Ratio was little changed at 0.16 in Q2 2026 per SYF's latest filing, from 0.16 in the prior quarter.
  • Across five years, Asset Utilization Ratio topped out at 0.17 in Q2 2022 and bottomed at 0.15 in Q4 2023.
  • Historically, Asset Utilization Ratio has averaged 0.16 across 5 years, with a median of 0.16 in 2022.
  • The sharpest annual moves came in 2023 and 2024: Asset Utilization Ratio retreated 5.62% in 2023, then increased 6.53% in 2024.
  • Over 5 years, Asset Utilization Ratio stood at 0.16 in 2022, then retreated by 2.98% to 0.15 in 2023, then rose by 6.53% to 0.16 in 2024, then retreated by 1.33% to 0.16 in 2025, then dropped by 1.29% to 0.16 in 2026.
  • According to Business Quant data, Asset Utilization Ratio over the past three periods registered 0.16, 0.16, and 0.16 for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Asset Util. (Qtr)
1 Synchrony Financial 24.38 Bn 8.19 Bn - 0.16
2 Affirm Holdings 24.01 Bn 22.38 Bn - 0.29
3 FirstCash Holdings 9.50 Bn 9.33 Bn 533.67 Mn 0.76
4 Credit Acceptance 6.00 Bn 5.51 Bn 569.30 Mn 0.27
5 Slm 4.72 Bn -77.52 Mn - 0.07
6 Enova International 4.35 Bn 4.22 Bn 568.07 Mn 0.49
7 Bread Financial Holdings 4.20 Bn -15.89 Bn 957.00 Mn 0.18
8 StoneCo 2.99 Bn 1.38 Bn 308.97 Mn 0.24
9 Ezcorp 1.88 Bn 1.57 Bn 246.19 Mn 0.74
10 Navient 1.64 Bn 275.03 Mn - 0.02
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 0.16
Mar 31, 2026 0.16
Dec 31, 2025 0.16
Sep 30, 2025 0.16
Jun 30, 2025 0.16
Mar 31, 2025 0.16
Dec 31, 2024 0.16
Sep 30, 2024 0.16
Jun 30, 2024 0.16
Mar 31, 2024 0.16
Dec 31, 2023 0.15
Sep 30, 2023 0.16
Jun 30, 2023 0.16
Mar 31, 2023 0.16
Dec 31, 2022 0.16
Sep 30, 2022 0.16
Jun 30, 2022 0.17
Mar 31, 2022 0.16
Dec 31, 2021 0.16
Sep 30, 2021 0.16