Synchrony Financial (SYF) Total Debt (2013 - 2026)
Synchrony Financial (SYF) reported Total Debt of $7.5 billion for Q1 2026, down 10.75% on a YoY basis from $8.4 billion in Q1 2025, and up 11.02% quarter-over-quarter from $6.8 billion in Q4 2025.
Synchrony Financial (SYF) Total Debt (2013 - 2026) Analysis & Trends
Synchrony Financial has reported Total Debt for 14 years, with the latest figure at $7.5 billion in Q1 2026.
- For the quarter ending Q1 2026, Total Debt fell 10.75% year-over-year to $7.5 billion; the trailing twelve-month figure through Mar 2026 stood at $7.5 billion (down 10.75% YoY), and the FY2025 full-year result was $6.8 billion, down 11.19% from the prior year.
- Total Debt for Q1 2026 stood at $7.5 billion, up from $6.8 billion in the prior quarter.
- The five-year high for Total Debt was $8.7 billion in Q4 2023, with the low at $6.5 billion in Q2 2022.
- Historically, Total Debt has averaged $7.8 billion across 5 years, with a median of $8.0 billion in 2022.
- Annual changes were most pronounced in 2023 — Total Debt jumped 34.61% — and 2024, when it retreated 12.57%.
- Synchrony Financial's Total Debt stood at $8.0 billion in 2022, then climbed by 9.43% to $8.7 billion in 2023, then retreated by 12.56% to $7.6 billion in 2024, then declined by 11.19% to $6.8 billion in 2025, then climbed by 11.02% to $7.5 billion in 2026.
- The last three Total Debt figures came in at $7.5 billion (Q1 2026), $6.8 billion (Q4 2025), and $6.8 billion (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Total Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 23.98 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 18.96 Bn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 1.69 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 38.42 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 9.41 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 7.51 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 2.42 Bn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | - |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 4.13 Bn |
| 10 | Credit Acceptance | 6.24 Bn | 6.21 Bn | 562.70 Mn | 5.16 Bn |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 |
| Sep 30, 2021 | 6.47 Bn |
| Jun 30, 2021 | 6.47 Bn |