Synchrony Financial

Synchrony Financial

SYFยทNYSE

$68.72

-3.2%
Financial ServicesFinancial - Credit Services

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

At a Glance

Live Snapshot
Market Cap$23.12B
EPS9.3500
P/E Ratio7.35
Earnings Date07/21/2026
3Y+14.0%
5Y+24.0%
10Y+32.0%
3Y+12.0%
5Y+23.0%
10Y+35.0%
3Y+30.0%
5Y+32.0%
10Y+18.0%
syf

Synchrony Financial Funding & Solvency Profile

SYF ยท NYSE
Cash & Cash Equivalents14.97B
Net Receivables0.00
Inventory0.00
Other Current Assets0.00
Total Current Assets17 B
Property, Plant & Equipment0.00
Goodwill & Intangible Assets2.62B
Long-Term Investments93.37B
Other Non-Current Assets5.79B
Total Non-Current Assets99 B
Total Assets
119.09B

Financial Health Analysis

Current Ratio

0.21x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.10x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-63823000000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

15% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Synchrony Financial Balance Sheet

SYF โ€ข NYSE

Synchrony Financial Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
ASSETS
CURRENT ASSETS
15B
14.7B
14.3B
10.3B
8.3B
11.5B
12.1B
9.4B
11.6B
9.3B
12.3B
11.8B
2.3B
1.3B
2.3B
3.1B
3.8B
4.9B
5.3B
7.5B
5.9B
6.1B
4.5B
5.1B
3.1B
1.6B
221M
188M
17.3B
17.8B
18.1B
15.2B
13.6B
19B
18.1B
15.5B
16.1B
14.4B
15.5B
13.4B
2.5B
1.5B
17.3B
17.8B
18.1B
15.2B
13.6B
19B
18.1B
15.5B
16.1B
14.4B
15.5B
13.4B
2.5B
1.5B
NON-CURRENT ASSETS
1.4B
1.3B
1B
1.1B
1.1B
1.1B
1.1B
1B
991M
949M
949M
949M
949M
936M
1.3B
854M
815M
742M
1.2B
1.1B
1.3B
1.1B
749M
712M
701M
519M
300M
255M
2.6B
2.1B
1.8B
1.8B
2.3B
2.2B
2.3B
2.2B
1.7B
1.7B
1.7B
1.5B
1.2B
1.2B
93.4B
104.7B
103.2B
92.5B
85.1B
81.9B
87.9B
93.1B
81.9B
76.4B
68.3B
61.6B
57.3B
52.3B
5.8B
-5.2B
-5.7B
-4.9B
-5.2B
-7.1B
-3.5B
-4B
-4B
-2.2B
-1.4B
-805M
-2B
-1.6B
101.8B
101.7B
99.4B
89.4B
82.1B
77B
86.8B
91.3B
79.7B
75.8B
68.5B
62.3B
56.5B
51.9B
119.1B
119.5B
117.5B
104.6B
95.7B
95.9B
104.8B
106.8B
95.8B
90.2B
84B
75.7B
59.1B
53.5B
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
5.8B
5.3B
4.7B
4.7B
4.1B
4.3B
3.8B
3.7B
2.8B
3.1B
2.3B
81.1B
82.1B
81.2B
71.7B
62.3B
62.8B
65.2B
64B
56.5B
52.1B
43.4B
35B
25.7B
18.8B
81.1B
82.1B
81.2B
77.5B
67.6B
67.5B
69.9B
68.1B
60.8B
55.9B
47.1B
37.8B
28.8B
21.1B
NON-CURRENT LIABILITIES
15.2B
15.5B
16B
14.2B
14.5B
15.8B
19.9B
24B
20.8B
20.1B
24.3B
27.5B
24.3B
27.8B
6B
5.4B
6.4B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
21.2B
20.8B
22.4B
14.2B
14.5B
15.8B
19.9B
24B
20.8B
20.1B
24.3B
27.5B
24.3B
27.8B
0.0
0.0
0.0
0.0
0.0
0.0
734M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
102.3B
102.9B
103.6B
91.7B
82.1B
83.2B
89.7B
92.1B
81.6B
76B
71.4B
65.2B
53.1B
48.9B
SHAREHOLDERS' EQUITY
-18B
-16.1B
-15.2B
-14.2B
-10.9B
-8.2B
-7.2B
-3.7B
-2B
-475M
0.0
0.0
0.0
0.0
1.2B
1.2B
734M
734M
734M
734M
734M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1M
1M
1M
1M
1M
1M
1M
1M
1M
1M
1M
1M
0.0
0.0
8.9B
9.9B
9.8B
9.7B
9.7B
9.6B
9.5B
9.5B
9.4B
9.4B
9.4B
9.4B
0.0
0.0
24.6B
21.6B
18.7B
16.7B
14.2B
10.6B
12.1B
9B
6.8B
5.3B
3.3B
1.1B
0.0
0.0
-48M
-59M
-68M
-125M
-69M
-51M
-58M
-62M
-64M
-53M
-41M
-10M
-13M
2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6B
4.6B
16.8B
16.6B
13.9B
12.9B
13.7B
12.7B
15.1B
14.7B
14.2B
14.2B
12.6B
10.5B
6B
4.6B
16.8B
16.6B
13.9B
12.9B
13.7B
12.7B
15.1B
14.7B
14.2B
14.2B
12.6B
10.5B
6B
4.6B
SUMMARY
119.1B
119.5B
117.5B
104.6B
95.7B
95.9B
104.8B
106.8B
95.8B
90.2B
84B
75.7B
59.1B
53.5B
95.7B
107.8B
107B
97.3B
90.4B
89.3B
93.9B
99.2B
86.4B
81.4B
71.4B
63.2B
57.5B
52.5B
15.2B
15.5B
16B
14.2B
14.5B
15.8B
19.9B
24B
20.8B
20.1B
24.3B
27.5B
24.3B
27.8B
209M
751M
1.7B
3.9B
6.2B
4.3B
7.7B
14.6B
9.2B
10.8B
12B
15.6B
22B
26.5B
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605
379,246,605

SEC Filings

SYF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 15, 2026
May 15, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 29, 2026
December 31, 2025
2025
10-Q

10-Q 2026 Q1

Q1

April 23, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

March 10, 2026
March 10, 2026
2026
8-K

8-K 2026

N/A

February 25, 2026
February 18, 2026
2026
8-K

8-K 2026

N/A

February 10, 2026
February 10, 2026
2026
10-K

10-K 2025 FY

FY

February 06, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 27, 2026
January 27, 2026
2026
Showing 1 to 10 of 334 filings