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The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Synchrony Financial's current ratio for the quarter that ended in Jun. 2026 was 3.72.
Synchrony Financial has a current ratio of 3.72. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Synchrony Financial's Current Ratio or its related term are showing as below:
MEX:SYF's Current Ratio is not ranked *
in the Credit Services industry.
Industry Median: 2.63 * Ranked among companies with meaningful Current Ratio only.
Synchrony Financial (MEX:SYF) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Synchrony Financial Current Ratio Related Terms
Synchrony Financial Current Ratio Historical Data
* Premium members only.
The historical data trend for Synchrony Financial's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MEX:SYF vs AFRM, SOFI, ALLY: Current Ratio Comparison
For the Credit Services subindustry, Synchrony Financial's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Synchrony Financial Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's Current Ratio distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Synchrony Financial (MEX:SYF) has a Current Ratio of 3.72 as of Jun. 2026. According to the industry distribution chart, Synchrony Financial ranks #999999 out of 423 companies in the Credit Services industry.
Is Synchrony Financial's Current Ratio too high?
Synchrony Financial's current Current Ratio is 3.72. The Credit Services industry median Current Ratio is 2.63. Synchrony Financial's value of 3.72 is 41.4% above this industry median. Based on the distribution chart, Synchrony Financial ranks #999999 out of 423 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Synchrony Financial has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Current Ratio compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #999999 out of 423 companies for Current Ratio. This places Synchrony Financial in the lower half of its industry. The industry median Current Ratio is 2.63. Synchrony Financial's value of 3.72 is 41.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 2.63, based on 423 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Synchrony Financial's current Current Ratio of 3.72 is 41.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 2.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current Current Ratio is 3.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Synchrony Financial stock overvalued right now?
Based on GuruFocus' analysis, Synchrony Financial (MEX:SYF) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN1,039.22, compared to a current price of MXN1,290.00 — trading 24.1% above its estimated fair value. The current Current Ratio is 3.72 and 41.4% above the Credit Services industry median of 2.63. Synchrony Financial's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Synchrony Financial (MEX:SYF), the current Current Ratio is 3.72 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Synchrony Financial (MEX:SYF) Overvalued in 2026?
Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued.
The current stock price of MXN1,290.00 is trading 24.1% above its estimated GF Value™ of MXN1,039.22.
GuruFocus considers Synchrony Financial to be Modestly Overvalued.
Key valuation signals for MEX:SYF:
Current Ratio: 3.72
GF Value™: MXN1,039.22 vs. price of MXN1,290.00 (24.1% above fair value)
Industry Position: 41.4% above the Credit Services median (#999999 of 423)
No single metric tells the full story. See the MEX:SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
71GF Score
Get the complete analysis for MEX:SYF
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