Synchrony Financial (SYF) Debt Ratio (2013 - 2026)
Synchrony Financial's (SYF) Debt Ratio stood at 0.06 in Q2 2026, down 3.1% from 0.06 a year earlier and down 0.3% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Debt Ratio (2013 - 2026) Analysis & Trends
Starting with Q4 2013, Synchrony Financial's Debt Ratio history includes 50 quarters.
- Annual Debt Ratio has declined for three straight years.
- Across earlier years, Debt Ratio came in at 0.06 in FY2024 (-14.0%), 0.07 in FY2023 (-2.6%), 0.08 in FY2022 (+1.0%) and 0.08 in FY2021 (-9.2%).
- Quarterly Debt Ratio has ranged from 0.06 in Q4 2025 to 0.08 in Q1 2023 over the past five years.
- On a year-over-year basis, Debt Ratio has declined for five consecutive quarters, with an average decline of 8.5% over the last eight quarters.
- Peak year-over-year performance for Debt Ratio in the last five years was growth of 17.9% in Q2 2023, against a decline of 17.2% in Q3 2024 at the low end.
- Per Business Quant, the preceding three quarters came in at 0.06 (Q1 2026), 0.06 (Q4 2025) and 0.06 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 0.27 |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 0.35 |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 0.45 |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 0.21 |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 0.06 |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | - |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 0.04 |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | 0.24 |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | 0.01 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.06 |
| 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 |
API Access
Synchrony Financial Debt Ratio 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=debt-ratio&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-ratio", "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=debt-ratio&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();