Synchrony Financial (NYSE:SYF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Synchrony Financial Effective Interest Rate on Debt % Related Terms
Synchrony Financial Effective Interest Rate on Debt % Historical Data
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The historical data trend for Synchrony Financial's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
SYF vs AFRM, SOFI, ALLY: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, Synchrony Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 24.50% mean?
Synchrony Financial (SYF) has a Effective Interest Rate on Debt % of 24.50% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Effective Interest Rate on Debt % too high?
Synchrony Financial's current Effective Interest Rate on Debt % is 24.50%. Overall, Synchrony Financial has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Effective Interest Rate on Debt % compare to AFRM and SOFI?
Synchrony Financial's Effective Interest Rate on Debt % of 24.50% 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 Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Effective Interest Rate on Debt % is 24.50%. 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 Modestly Overvalued. The stock's GF Value™ is $66.33, compared to a current price of $77.05 — trading 16.2% above its estimated fair value. The current Effective Interest Rate on Debt % is 24.50%. Synchrony Financial's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Effective Interest Rate on Debt % is 24.50% as of Mar. 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 $77.05 is trading 16.2% above its estimated GF Value™ of $66.33.
GuruFocus considers Synchrony Financial to be Modestly Overvalued.
Key valuation signals for SYF:
Effective Interest Rate on Debt %: 24.50%
GF Value™: $66.33 vs. price of $77.05 (16.2% above fair value)
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, 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).
73GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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