SYF (Synchrony Financial) Debt-to-Asset : 0.14 (As of Jun. 2026)

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SYF Synchrony Financial SYF
76 GF Score
Price $80.02
GF Value $76.41
Valuation Fairly Valued
! 4 Warning Signs
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What is Synchrony Financial Debt-to-Asset?

Synchrony Financial SYF +0.69% 76 Debt-to-Asset is 0.14 as of Jun. 2026. GuruFocus rates SYF with a GF Score™ of 76/100 and a GF Value™ of $76.41 (Fairly Valued). The stock has 4 warning signs investors should review.

Synchrony Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0 Mil. Synchrony Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $16,432 Mil. Synchrony Financial's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $121,930 Mil. Synchrony Financial's debt to asset for the quarter that ended in Jun. 2026 was 0.13.

Synchrony Financial  (NYSE:SYF) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Synchrony Financial Debt-to-Asset Related Terms

Synchrony Financial Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Synchrony Financial's Debt-to-Asset 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.

Synchrony Financial Debt-to-Asset Chart

Synchrony Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.15 0.14 0.14 0.13 0.13

Synchrony Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.13 0.12 0.13 0.14 0.14

SYF vs AFRM, SOFI, ALLY: Debt-to-Asset Comparison

For the Credit Services subindustry, Synchrony Financial's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Synchrony Financial's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Synchrony Financial's Debt-to-Asset falls into.


SYF
76GF Score
Synchrony Financial SYF
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Synchrony Financial Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Synchrony Financial's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 15182) / 119095
=0.13

Synchrony Financial's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 16432) / 121930
=0.13

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.14 mean?
Synchrony Financial (SYF) has a Debt-to-Asset of 0.14 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Debt-to-Asset too high?
Synchrony Financial's current Debt-to-Asset is 0.14. Overall, Synchrony Financial has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Debt-to-Asset compare to AFRM and SOFI?
Synchrony Financial's Debt-to-Asset of 0.14 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Credit Services company?
A good Debt-to-Asset depends on the Credit Services industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Debt-to-Asset is 0.14. 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 (SYF) is currently considered Fairly Valued. The stock's GF Value™ is $76.41, compared to a current price of $80.02 — trading 4.7% above its estimated fair value. The current Debt-to-Asset is 0.14. Synchrony Financial's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Debt-to-Asset is 0.14 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 (SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of $80.02 is trading 4.7% above its estimated GF Value™ of $76.41. GuruFocus considers Synchrony Financial to be Fairly Valued.

Key valuation signals for SYF:

  • Debt-to-Asset: 0.14
  • GF Value™: $76.41 vs. price of $80.02 (4.7% above fair value)
  • GF Score™: 76/100 with 4 warning signs

No single metric tells the full story. See the SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Synchrony Financial Business Description

Address 777 Long Ridge Road, Stamford, CT, USA, 06902
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).
76GF Score

Get the complete analysis for SYF

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.02
Price
$76.41
GF Value