Synchrony Financial (SYF) Balance Sheet: Assets & Liabilities

Synchrony Financial (SYF) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Synchrony Financial reported total assets of $119.09B and total liabilities of $102.33B. Shareholders' equity was $16.77B, up 1.1% from $16.58B a year earlier. Total debt stood at $15.18B against $17.32B in cash and short-term investments, a net cash position of $2.14B. That puts debt-to-equity at 0.91, compared with 0.93 a year earlier.

Synchrony Financial Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Synchrony Financial (SYF) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	14.97	14.71	14.26	10.29	8.34	11.52	12.15	9.40	11.60
Short-Term Investments	2.35	3.08	3.80	4.88	5.28	7.47	5.91	6.06	4.47
Cash & Short-Term Investments	17.32	17.79	18.06	15.17	13.62	18.99	18.06	15.46	16.08
Accounts Receivable	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	17.32	17.79	18.06	15.17	13.62	18.99	18.06	15.46	16.08
Non-Current Assets
Property, Plant & Equipment (Net)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Investments	93.37	104.72	103.24	92.47	85.10	81.87	87.94	93.14	81.95
Goodwill	1.36	1.27	1.02	1.11	1.11	1.08	1.08	1.02	0.99
Intangible Assets	1.26	0.85	0.82	0.74	1.17	1.13	1.27	1.14	0.75
Other Non-Current Assets	5.79	-5.18	-5.66	-4.93	-5.25	-7.12	-3.52	-3.97	-3.95
Total Non-Current Assets	101.77	101.67	99.42	89.39	82.13	76.96	86.77	91.33	79.73
Total Assets	119.10	119.46	117.48	104.56	95.75	95.95	104.83	106.79	95.81
Current Liabilities
Accounts Payable	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Liabilities	6.00	5.36	6.33	5.77	5.32	-	-	-	-
Other Current Liabilities	81.14	82.06	81.15	77.50	67.59	67.47	69.87	68.12	60.78
Total Current Liabilities	81.14	82.06	81.15	77.50	67.59	67.47	69.87	68.12	60.78
Non-Current Liabilities
Long-Term Debt	15.18	15.46	15.98	14.19	14.51	15.78	19.87	24.00	20.80
Other Non-Current Liabilities	6.00	5.36	6.44	0.00	0.00	0.00	0.00	0.00	0.00
Total Non-Current Liabilities	21.19	20.82	22.42	14.19	14.51	15.78	19.87	24.00	20.80
Total Liabilities	102.33	102.88	103.58	91.69	82.09	83.25	89.74	92.11	81.57
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	24.60	21.64	18.66	16.72	14.25	10.62	12.12	8.99	6.81
Accumulated Other Comprehensive Income	-0.05	-0.06	-0.07	-0.13	-0.07	-0.05	-0.06	-0.06	-0.06
Treasury Stock	18.91	16.07	15.20	14.17	-	-	-	-	-
Additional Paid-in Capital	9.90	-6.22	9.78	-4.45	-1.26	1.40	2.29	5.75	7.49
Shares Outstanding	0.35	0.39	0.41	0.44	-	-	-	-	-
Total Stockholders' Equity	16.77	16.58	13.90	12.87	13.66	12.70	15.09	14.68	14.23
Total Liabilities & Equity	119.10	119.46	117.48	104.56	95.75	95.95	104.83	106.79	95.81

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Synchrony Financial Balance Sheet

How much debt does Synchrony Financial have?

Synchrony Financial had total debt of $15.18B as of Dec 31, 2025, against $17.32B in cash and short-term investments. Its debt-to-equity ratio was 0.91. Total debt was $15.46B a year earlier.

What are Synchrony Financial's total assets?

Synchrony Financial reported total assets of $119.09B as of Dec 31, 2025, down 0.3% from $119.46B a year earlier. Total liabilities were $102.33B.

What is Synchrony Financial's shareholders' equity?

Synchrony Financial's shareholders' equity was $16.77B as of Dec 31, 2025, or about $48.26 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition