Synchrony Financial (SYF) Long-Term Debt (2013 - 2026)
Synchrony Financial's Long-Term Debt was $17.03 billion in Q3 2026, up 18.0% from $14.43 billion a year earlier and up 3.6% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Long-Term Debt (2013 - 2026) Analysis & Trends
At the end of FY2025, Long-Term Debt at Synchrony Financial came in at $15.18 billion, down 1.8% from FY2024.
- Long-Term Debt shows a five-year compound annual growth rate of -0.8% (FY2020 to FY2025).
- In earlier years, Long-Term Debt was $15.46 billion in FY2024 (-3.3%), $15.98 billion in FY2023 (+12.6%), $14.19 billion in FY2022 (-2.2%) and $14.51 billion in FY2021 (-8.0%).
- The Q3 2026 figure marks the highest quarterly Long-Term Debt since Q1 2020.
- Compared with a year earlier, Long-Term Debt was higher in four of the last eight quarters, with growth averaging 1.5%.
- The best year-over-year quarter for Long-Term Debt over five years was Q3 2026 (growth of 18.0%); the worst was Q1 2022 (a decline of 11.9%).
- Per Business Quant data, SYF's Long-Term Debt in the three quarters before Q3 2026 was $16.43 billion (Q2 2026), $16.43 billion (Q1 2026) and $15.18 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Long-Term Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 44.05 Bn | 29.73 Bn | - | - |
| 2 | Orix | 40.96 Bn | 10.18 Bn | 12.74 Bn | 35.36 Bn |
| 3 | Royalty Pharma | 36.72 Bn | 36.63 Bn | - | 8.96 Bn |
| 4 | Affirm Holdings | 23.63 Bn | 17.32 Bn | - | - |
| 5 | Federal National Mortgage Association Fannie Mae | 23.47 Bn | 23.47 Bn | - | - |
| 6 | Synchrony Financial | 22.90 Bn | -44.72 Bn | - | 17.03 Bn |
| 7 | Royal Gold | 19.26 Bn | 18.48 Bn | 390.45 Mn | - |
| 8 | Annaly Capital Management | 13.77 Bn | 4.86 Bn | - | - |
| 9 | Ares Capital | 13.38 Bn | 10.82 Bn | - | 15.77 Bn |
| 10 | Federal Home Loan Mortgage | 12.16 Bn | -6.58 Bn | - | 163.75 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 17.03 Bn |
| Jun 30, 2026 | 16.43 Bn |
| Mar 31, 2026 | 16.43 Bn |
| Dec 31, 2025 | 15.18 Bn |
| Sep 30, 2025 | 14.43 Bn |
| Jun 30, 2025 | 16.01 Bn |
| Mar 31, 2025 | 17.01 Bn |
| Dec 31, 2024 | 15.46 Bn |
| Sep 30, 2024 | 15.63 Bn |
| Jun 30, 2024 | 15.64 Bn |
| Mar 31, 2024 | 16.13 Bn |
| Dec 31, 2023 | 15.98 Bn |
| Sep 30, 2023 | 15.23 Bn |
| Jun 30, 2023 | 14.23 Bn |
| Mar 31, 2023 | 14.93 Bn |
| Dec 31, 2022 | 14.19 Bn |
| Sep 30, 2022 | 14.32 Bn |
| Jun 30, 2022 | 12.16 Bn |
| Mar 31, 2022 | 13.36 Bn |
| Dec 31, 2021 | 14.51 Bn |
API Access
Synchrony Financial Long-Term Debt 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=long-term-debt&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "long-term-debt", "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=long-term-debt&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();