Synchrony Financial (SYF) Debt Ratio (2013 - 2026)
Synchrony Financial's (SYF) Debt Ratio stood at 0.07 in Q3 2026, up 14.5% from 0.06 a year earlier and up 7.4% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Debt Ratio (2013 - 2026) Analysis & Trends
For FY2025, Synchrony Financial's Debt Ratio came in at 0.06, down 10.9% from FY2024.
- 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%).
- The Q3 2026 figure is the highest quarterly Debt Ratio since Q1 2025.
- On a year-over-year basis, Debt Ratio rose in two of the last eight quarters, with an average decline of 4.5%.
- 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 (Q2 2026), 0.06 (Q1 2026) and 0.06 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | 0.35 |
| 2 | Rocket Companies | 35.89 Bn | 35.89 Bn | - | - |
| 3 | Royalty Pharma | 29.95 Bn | 26.91 Bn | - | 0.45 |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 0.97 |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 0.21 |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 0.07 |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 0.04 |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | 0.26 |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | 0.49 |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 0.07 |
| 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 |
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();