Synchrony Financial annual net debt
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Synchrony Financial Net Debt Growth & History (SYF)
Synchrony Financial's net debt was $209.0M for fiscal 2025.
View full Synchrony Financial company overviewSynchrony Financial annual net debt history
| Fiscal year | Period ended | Net debt | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | $209.0M | −$542.0M | −72.17% |
| 2024 | 2024-12-31 | $751.0M | −$972.0M | −56.41% |
| 2023 | 2023-12-31 | $1.72B | −$2.17B | −55.79% |
| 2022 | 2022-12-31 | $3.90B | −$2.27B | −36.84% |
| 2021 | 2021-12-31 | $6.17B | $1.92B | +45.14% |
| 2020 | 2020-12-31 | $4.25B | −$3.47B | −44.93% |
| 2019 | 2019-12-31 | $7.72B | −$6.88B | −47.13% |
| 2018 | 2018-12-31 | $14.60B | $5.40B | +58.75% |
| 2017 | 2017-12-31 | $9.20B | −$1.63B | −15.05% |
| 2016 | 2016-12-31 | $10.83B | −$1.13B | −9.44% |
| 2015 | 2015-12-31 | $11.95B | — | — |
Synchrony Financial quarterly net debt
Q4.15
Q3.16
Q4.16
Q1.17
Q2.17
Q3.17
Q4.17
Q1.18
Q2.18
Q3.18
Q4.18
Q1.19
Q2.19
Q3.19
Q4.19
Q1.20
Q2.20
Q3.20
Q4.20
Q1.21
Q2.21
Q3.21
Q4.21
Q1.22
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Net debt | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $239.0M | $3.69B | — |
| Q1 2026 | 2026-03-31 | −$4.13B | $489.0M | — |
| Q4 2025 | 2025-12-31 | $209.0M | −$542.0M | −72.17% |
| Q3 2025 | 2025-09-30 | −$1.81B | $488.0M | — |
| Q2 2025 | 2025-06-30 | −$3.45B | −$453.0M | — |
| Q1 2025 | 2025-03-31 | −$4.62B | −$732.0M | — |
| Q4 2024 | 2024-12-31 | $751.0M | −$972.0M | −56.41% |
| Q3 2024 | 2024-09-30 | −$2.30B | −$1.89B | — |
| Q2 2024 | 2024-06-30 | −$3.00B | −$4.52B | — |
| Q1 2024 | 2024-03-31 | −$3.89B | −$3.52B | — |
| Q4 2023 | 2023-12-31 | $1.72B | −$2.17B | −55.79% |
| Q3 2023 | 2023-09-30 | −$412.0M | −$2.77B | — |
| Q2 2023 | 2023-06-30 | $1.52B | $50.0M | +3.39% |
| Q1 2023 | 2023-03-31 | −$369.0M | −$3.19B | — |
| Q4 2022 | 2022-12-31 | $3.90B | −$2.27B | −36.84% |
| Q3 2022 | 2022-09-30 | $2.36B | −$595.0M | −20.14% |
| Q2 2022 | 2022-06-30 | $1.48B | −$865.0M | −36.97% |
| Q1 2022 | 2022-03-31 | $2.82B | $4.28B | — |
| Q4 2021 | 2021-12-31 | $6.17B | $1.92B | +45.14% |
| Q3 2021 | 2021-09-30 | $2.95B | $735.0M | +33.12% |
| Q2 2021 | 2021-06-30 | $2.34B | $2.62B | — |
| Q1 2021 | 2021-03-31 | −$1.46B | −$5.00B | — |
| Q4 2020 | 2020-12-31 | $4.25B | −$3.47B | −44.93% |
| Q3 2020 | 2020-09-30 | $2.22B | −$6.68B | −75.07% |
| Q2 2020 | 2020-06-30 | −$275.0M | −$9.76B | — |
| Q1 2020 | 2020-03-31 | $3.54B | −$5.38B | −60.30% |
| Q4 2019 | 2019-12-31 | $7.72B | −$6.88B | −47.13% |
| Q3 2019 | 2019-09-30 | $8.90B | −$2.77B | −23.74% |
| Q2 2019 | 2019-06-30 | $9.49B | $3.44B | +56.95% |
| Q1 2019 | 2019-03-31 | $8.93B | $957.0M | +12.01% |
| Q4 2018 | 2018-12-31 | $14.60B | $5.40B | +58.75% |
| Q3 2018 | 2018-09-30 | $11.67B | $5.69B | +95.07% |
| Q2 2018 | 2018-06-30 | $6.05B | −$2.64B | −30.42% |
| Q1 2018 | 2018-03-31 | $7.97B | −$831.0M | −9.44% |
| Q4 2017 | 2017-12-31 | $9.20B | −$1.63B | −15.05% |
| Q3 2017 | 2017-09-30 | $5.98B | −$595.0M | −9.04% |
| Q2 2017 | 2017-06-30 | $8.69B | — | — |
| Q1 2017 | 2017-03-31 | $8.80B | — | — |
| Q4 2016 | 2016-12-31 | $10.83B | −$1.13B | −9.44% |
| Q3 2016 | 2016-09-30 | $6.58B | — | — |
| Q4 2015 | 2015-12-31 | $11.95B | — | — |
Synchrony Financial net debt trends
Over the last five fiscal years, Synchrony Financial's net debt decreased from $4.25B to $209.0M, a change of −$4.04B. The latest reported quarter, Q2 2026, shows $239.0M.
About the metric
What net debt means
Net debt compares a company’s interest-bearing debt with its cash and cash equivalents. Positive net debt means debt exceeds cash, while a negative value indicates the company has more cash than debt on this measure.
Calculation and source
How net debt is calculated
TickerStat calculates net debt as total interest-bearing debt minus cash and cash equivalents at the same reporting-period end. Short-term investments are not subtracted because they are not included in the standardized cash series. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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