Synchrony Financial (SYF) Total Debt (2013 - 2026)
Synchrony Financial's (SYF) quarterly Total Debt came in at $16.4 billion in Q2 2026, up 2.64% on a YoY basis from $16.0 billion in Q2 2025, and little changed quarter-over-quarter from $16.4 billion in Q1 2026.
Analysis
Synchrony Financial (SYF) Total Debt (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported Total Debt for 14 consecutive years, with $16.4 billion the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Total Debt rose 2.64% year-over-year to $16.4 billion; the trailing twelve-month figure through Jun 2026 stood at $16.4 billion (up 2.64% YoY), and the FY2025 full-year result was $15.2 billion, down 1.81% from the prior year.
- Total Debt held at $16.4 billion in Q2 2026 per SYF's latest filing, from $16.4 billion in the prior quarter.
- Across five years, Total Debt topped out at $17.0 billion in Q1 2025 and bottomed at $12.2 billion in Q2 2022.
- Historically, Total Debt has averaged $15.2 billion across 5 years, with a median of $15.3 billion in 2023.
- The sharpest annual moves came in 2022 and 2023: Total Debt dropped 11.87% in 2022, then grew 17.06% in 2023.
- Over 5 years, Total Debt stood at $14.2 billion in 2022, then climbed by 12.62% to $16.0 billion in 2023, then decreased by 3.25% to $15.5 billion in 2024, then declined by 1.81% to $15.2 billion in 2025, then climbed by 8.23% to $16.4 billion in 2026.
- According to Business Quant data, Total Debt over the past three periods registered $16.4 billion, $16.4 billion, and $15.2 billion for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Total Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 16.43 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 3.33 Bn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 2.35 Bn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 5.02 Bn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 5.84 Bn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 5.01 Bn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 3.29 Bn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 519.49 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 48.55 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |
| Sep 30, 2021 | 12.76 Bn |