Synchrony Financial (SYF) Debt to Equity (2013 - 2026)
Synchrony Financial posted quarterly Debt to Equity of $0.46 for Q1 2026, down 10.19% year-on-year from $0.51 in Q1 2025, and up 12.97% on a QoQ basis from $0.4 in Q4 2025.
Synchrony Financial (SYF) Debt to Equity (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has 14 years of Debt to Equity data on file, last reported at $0.46 in Q1 2026.
- For the quarter ending Q1 2026, Debt to Equity fell 10.19% year-over-year to $0.46; the trailing twelve-month figure through Mar 2026 stood at $0.46 (down 10.19% YoY), and the FY2025 full-year result was $0.4, down 12.18% from the prior year.
- Debt to Equity for Q1 2026 stood at $0.46, up from $0.4 in the prior quarter.
- Across five years, Debt to Equity topped out at $0.66 in Q1 2023 and bottomed at $0.4 in Q3 2025.
- The 5-year median for Debt to Equity is $0.52 (2024), against an average of $0.53.
- The widest annual swing landed in 2023, when Debt to Equity jumped 34.74%; it then dropped 26.68% in 2024.
- A 5-year view of Debt to Equity shows it stood at $0.62 in 2022, then rose by 1.32% to $0.63 in 2023, then declined by 26.68% to $0.46 in 2024, then dropped by 12.18% to $0.4 in 2025, then advanced by 12.97% to $0.46 in 2026.
- The last three Debt to Equity figures came in at $0.46 (Q1 2026), $0.4 (Q4 2025), and $0.4 (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt/Equity (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 0.67 |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 2.82 |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 0.05 |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 0.34 |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 0.47 |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 0.64 |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 0.46 |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | - |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 0.26 |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 3.39 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.46 |
| Dec 31, 2025 | 0.40 |
| Sep 30, 2025 | 0.40 |
| Jun 30, 2025 | 0.45 |
| Mar 31, 2025 | 0.51 |
| Dec 31, 2024 | 0.46 |
| Sep 30, 2024 | 0.48 |
| Jun 30, 2024 | 0.52 |
| Mar 31, 2024 | 0.53 |
| Dec 31, 2023 | 0.63 |
| Sep 30, 2023 | 0.63 |
| Jun 30, 2023 | 0.65 |
| Mar 31, 2023 | 0.66 |
| Dec 31, 2022 | 0.62 |
| Sep 30, 2022 | 0.61 |
| Jun 30, 2022 | 0.48 |
| Mar 31, 2022 | 0.54 |
| Dec 31, 2021 | 0.53 |
| Sep 30, 2021 | 0.46 |
| Jun 30, 2021 | 0.46 |