Synchrony Financial annual debt-to-assets ratio
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2025
Synchrony Financial Debt-to-Assets Ratio Growth & History (SYF)
Synchrony Financial's debt-to-assets ratio was 0.13 for fiscal 2025.
View full Synchrony Financial company overviewSynchrony Financial annual debt-to-assets ratio history
| Fiscal year | Period ended | Debt-to-assets ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.13 | −0.00 | −1.51% |
| 2024 | 2024-12-31 | 0.13 | −0.01 | −4.86% |
| 2023 | 2023-12-31 | 0.14 | 0.00 | +0.24% |
| 2022 | 2022-12-31 | 0.14 | −0.02 | −10.43% |
| 2021 | 2021-12-31 | 0.15 | −0.01 | −7.85% |
| 2020 | 2020-12-31 | 0.16 | −0.03 | −13.25% |
| 2019 | 2019-12-31 | 0.19 | −0.04 | −15.66% |
| 2018 | 2018-12-31 | 0.22 | 0.01 | +3.50% |
| 2017 | 2017-12-31 | 0.22 | −0.01 | −2.80% |
| 2016 | 2016-12-31 | 0.22 | −0.07 | −22.74% |
| 2015 | 2015-12-31 | 0.29 | — | — |
Synchrony Financial quarterly debt-to-assets ratio
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Q3.16
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Q1.17
Q2.17
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Q2.18
Q3.18
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Q2.19
Q3.19
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Q1.21
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Q4.22
Q1.23
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Q2.26
| Fiscal quarter | Period ended | Debt-to-assets ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.13 | 0.00 | +1.44% |
| Q1 2026 | 2026-03-31 | 0.14 | −0.00 | −3.00% |
| Q4 2025 | 2025-12-31 | 0.13 | −0.00 | −1.51% |
| Q3 2025 | 2025-09-30 | 0.12 | −0.01 | −5.91% |
| Q2 2025 | 2025-06-30 | 0.13 | 0.00 | +2.37% |
| Q1 2025 | 2025-03-31 | 0.14 | 0.01 | +4.69% |
| Q4 2024 | 2024-12-31 | 0.13 | −0.01 | −4.86% |
| Q3 2024 | 2024-09-30 | 0.13 | −0.00 | −2.78% |
| Q2 2024 | 2024-06-30 | 0.13 | −0.00 | −0.87% |
| Q1 2024 | 2024-03-31 | 0.13 | −0.01 | −3.85% |
| Q4 2023 | 2023-12-31 | 0.14 | 0.00 | +0.24% |
| Q3 2023 | 2023-09-30 | 0.13 | −0.01 | −5.11% |
| Q2 2023 | 2023-06-30 | 0.13 | 0.00 | +2.52% |
| Q1 2023 | 2023-03-31 | 0.14 | −0.00 | −1.26% |
| Q4 2022 | 2022-12-31 | 0.14 | −0.02 | −10.43% |
| Q3 2022 | 2022-09-30 | 0.14 | 0.00 | +2.40% |
| Q2 2022 | 2022-06-30 | 0.13 | −0.02 | −12.68% |
| Q1 2022 | 2022-03-31 | 0.14 | −0.02 | −11.33% |
| Q4 2021 | 2021-12-31 | 0.15 | −0.01 | −7.85% |
| Q3 2021 | 2021-09-30 | 0.14 | −0.03 | −15.82% |
| Q2 2021 | 2021-06-30 | 0.15 | −0.02 | −12.13% |
| Q1 2021 | 2021-03-31 | 0.16 | −0.02 | −10.10% |
| Q4 2020 | 2020-12-31 | 0.16 | −0.03 | −13.25% |
| Q3 2020 | 2020-09-30 | 0.16 | −0.03 | −14.22% |
| Q2 2020 | 2020-06-30 | 0.17 | −0.03 | −16.65% |
| Q1 2020 | 2020-03-31 | 0.18 | −0.03 | −15.31% |
| Q4 2019 | 2019-12-31 | 0.19 | −0.04 | −15.66% |
| Q3 2019 | 2019-09-30 | 0.19 | −0.03 | −15.36% |
| Q2 2019 | 2019-06-30 | 0.20 | −0.02 | −8.88% |
| Q1 2019 | 2019-03-31 | 0.21 | −0.01 | −5.54% |
| Q4 2018 | 2018-12-31 | 0.22 | 0.01 | +3.50% |
| Q3 2018 | 2018-09-30 | 0.23 | 0.01 | +5.62% |
| Q2 2018 | 2018-06-30 | 0.22 | −0.01 | −3.56% |
| Q1 2018 | 2018-03-31 | 0.22 | −0.01 | −3.02% |
| Q4 2017 | 2017-12-31 | 0.22 | −0.01 | −2.80% |
| Q3 2017 | 2017-09-30 | 0.22 | −0.02 | −7.07% |
| Q2 2017 | 2017-06-30 | 0.23 | — | — |
| Q1 2017 | 2017-03-31 | 0.23 | — | — |
| Q4 2016 | 2016-12-31 | 0.22 | −0.07 | −22.74% |
| Q3 2016 | 2016-09-30 | 0.23 | — | — |
| Q4 2015 | 2015-12-31 | 0.29 | — | — |
Synchrony Financial debt-to-assets ratio trends
Over the last five fiscal years, Synchrony Financial's debt-to-assets ratio decreased from 0.16 to 0.13, a change of −0.04. The latest reported quarter, Q2 2026, shows 0.13.
About the metric
What the debt-to-assets ratio means
The debt-to-assets ratio shows the portion of a company’s reported assets financed with interest-bearing debt. It is a leverage measure and should not be confused with total liabilities divided by assets.
Calculation and source
How debt-to-assets is calculated
TickerStat calculates debt-to-assets as total interest-bearing debt divided by total assets at the same reporting-period end. Periods with missing debt or non-positive assets are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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