Synchrony Financial (SYF) Total Debt (2013 - 2026)
Synchrony Financial (SYF) recorded Total Debt of $8.11 billion in Q3 2026, up 19.9% from $6.77 billion a year earlier and up 7.9% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Total Debt (2013 - 2026) Analysis & Trends
At the end of FY2025, Synchrony Financial reported Total Debt of $6.77 billion, down 11.2% from FY2024.
- Annual Total Debt has a five-year compound annual growth rate of -3.2% (FY2020 to FY2025).
- Across earlier years, Total Debt came in at $7.62 billion in FY2024 (-12.6%), $8.72 billion in FY2023 (+9.4%), $7.96 billion in FY2022 (+10.3%) and $7.22 billion in FY2021 (-9.4%).
- The Q3 2026 figure is the highest quarterly Total Debt since Q1 2025.
- On a year-over-year basis, Total Debt rose in two of the last eight quarters, with an average decline of 3.7%.
- Peak year-over-year performance for Total Debt in the last five years was growth of 34.6% in Q2 2023, against a decline of 12.6% in Q3 2024 at the low end.
- Per Business Quant, the preceding three quarters came in at $7.52 billion (Q2 2026), $7.51 billion (Q1 2026) and $6.77 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Total Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | 38.96 Bn |
| 2 | Rocket Companies | 35.89 Bn | 35.89 Bn | - | - |
| 3 | Royalty Pharma | 29.95 Bn | 26.91 Bn | - | 8.96 Bn |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 4,169.25 Bn |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 3.33 Bn |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 8.11 Bn |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 395.89 Mn |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | 38.38 Bn |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | 15.12 Bn |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 8.11 Bn |
| Jun 30, 2026 | 7.52 Bn |
| Mar 31, 2026 | 7.51 Bn |
| Dec 31, 2025 | 6.77 Bn |
| Sep 30, 2025 | 6.77 Bn |
| Jun 30, 2025 | 7.67 Bn |
| Mar 31, 2025 | 8.42 Bn |
| Dec 31, 2024 | 7.62 Bn |
| Sep 30, 2024 | 7.62 Bn |
| Jun 30, 2024 | 8.12 Bn |
| Mar 31, 2024 | 8.12 Bn |
| Dec 31, 2023 | 8.72 Bn |
| Sep 30, 2023 | 8.71 Bn |
| Jun 30, 2023 | 8.71 Bn |
| Mar 31, 2023 | 8.71 Bn |
| Dec 31, 2022 | 7.96 Bn |
| Sep 30, 2022 | 7.96 Bn |
| Jun 30, 2022 | 6.47 Bn |
| Mar 31, 2022 | 7.22 Bn |
| Dec 31, 2021 | 7.22 Bn |
API Access
Synchrony Financial Total 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=total-debt&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "total-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=total-debt&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();