Synchrony Financial (SYF) Cash & Equivalents (2013 - 2026)
Synchrony Financial (SYF) reported Cash & Equivalents of $15.9 billion for Q3 2026, down 2.1% from $16.25 billion a year earlier and down 1.8% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Cash & Equivalents (2013 - 2026) Analysis & Trends
At the end of FY2025, Synchrony Financial posted Cash & Equivalents of $14.97 billion, up 1.8% from FY2024.
- Cash & Equivalents has increased for four consecutive years, with a five-year compound annual growth rate of 5.4% (FY2020 to FY2025).
- By year, Cash & Equivalents came in at $14.71 billion in FY2024 (+3.2%), $14.26 billion in FY2023 (+38.5%), $10.29 billion in FY2022 (+23.5%) and $8.34 billion in FY2021 (-27.7%).
- Five-year quarterly Cash & Equivalents spans a low of $8.34 billion in Q4 2021 and a high of $21.63 billion in Q1 2025.
- Year over year, Cash & Equivalents has now declined in each of the last three quarters, with an average decline of 2.0% over the last eight quarters.
- The high point for year-over-year Cash & Equivalents in five years was Q2 2024 (growth of 46.6%); the low point was Q1 2022 (a decline of 36.6%).
- Per Business Quant data, the three quarters before Q3 2026 came in at $16.19 billion (Q2 2026), $20.56 billion (Q1 2026) and $14.97 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Cash & Equiv. (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 42.82 Bn | 31.64 Bn | - | 2.70 Bn |
| 2 | Orix | 38.85 Bn | 7.58 Bn | 12.74 Bn | 5.98 Bn |
| 3 | Royalty Pharma | 30.02 Bn | 27.40 Bn | - | 513.66 Mn |
| 4 | Federal National Mortgage Association Fannie Mae | 26.05 Bn | 26.05 Bn | - | - |
| 5 | Synchrony Financial | 23.55 Bn | -44.08 Bn | - | 15.90 Bn |
| 6 | Affirm Holdings | 23.27 Bn | 16.32 Bn | - | 2.07 Bn |
| 7 | Royal Gold | 22.53 Bn | 21.71 Bn | 390.45 Mn | 182.47 Mn |
| 8 | Annaly Capital Management | 14.32 Bn | 5.27 Bn | - | 2.18 Bn |
| 9 | Ares Capital | 13.77 Bn | 11.52 Bn | - | 722.00 Mn |
| 10 | Federal Home Loan Mortgage | 12.90 Bn | -5.77 Bn | - | 4.56 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 15.90 Bn |
| Jun 30, 2026 | 16.19 Bn |
| Mar 31, 2026 | 20.56 Bn |
| Dec 31, 2025 | 14.97 Bn |
| Sep 30, 2025 | 16.25 Bn |
| Jun 30, 2025 | 19.46 Bn |
| Mar 31, 2025 | 21.63 Bn |
| Dec 31, 2024 | 14.71 Bn |
| Sep 30, 2024 | 17.93 Bn |
| Jun 30, 2024 | 18.63 Bn |
| Mar 31, 2024 | 20.02 Bn |
| Dec 31, 2023 | 14.26 Bn |
| Sep 30, 2023 | 15.64 Bn |
| Jun 30, 2023 | 12.71 Bn |
| Mar 31, 2023 | 15.30 Bn |
| Dec 31, 2022 | 10.29 Bn |
| Sep 30, 2022 | 11.96 Bn |
| Jun 30, 2022 | 10.68 Bn |
| Mar 31, 2022 | 10.54 Bn |
| Dec 31, 2021 | 8.34 Bn |
API Access
Synchrony Financial Cash & Equivalents API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=cash-and-equivalents&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "cash-and-equivalents", "ticker": "SYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=cash-and-equivalents&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();