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Synchrony FinancialSYF -0.10%77 Equity-to-Asset is 0.14 as of Jun. 2026, which is at its 10-year median of 0.14. GuruFocus rates SYF with a GF Score™ of 77/100 and a GF Value™ of $74.42 (Fairly Valued). The stock has 4 warning signs investors should review. Among 549 Credit Services companies, Synchrony Financial ranks worse than 81.79% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Synchrony Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $16,897 Mil. Synchrony Financial's Total Assets for the quarter that ended in Jun. 2026 was $121,930 Mil.
Therefore, Synchrony Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.14.
The historical rank and industry rank for Synchrony Financial's Equity-to-Asset or its related term are showing as below:
SYF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.14 Max: 0.16
Current: 0.14
During the past 13 years, the highest Equity to Asset Ratio of Synchrony Financial was 0.16. The lowest was 0.12. And the median was 0.14.
SYF's Equity-to-Asset is ranked worse than 81.79% of 549
companies
in the Credit Services industry
Industry Median: 0.4
vs SYF: 0.14
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Synchrony Financial Equity-to-Asset Related Terms
Synchrony Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Synchrony Financial's Equity-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.
SYF vs AFRM, SOFI, ALLY: Equity-to-Asset Comparison
For the Credit Services subindustry, Synchrony Financial's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Synchrony Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (SYF) has a Equity-to-Asset of 0.14 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Synchrony Financial and its competitors. This is near median its historical median of 0.14. Over the past decade, Synchrony Financial's Equity-to-Asset has ranged from 0.12 to 0.16. According to the industry distribution chart, Synchrony Financial ranks #449 out of 549 companies in the Credit Services industry, placing it in the top 81.8%.
Is Synchrony Financial's Equity-to-Asset too high?
Synchrony Financial's current Equity-to-Asset of 0.14 is near median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.16. The Credit Services industry median Equity-to-Asset is 0.40. Synchrony Financial's value of 0.14 is 65% below this industry median. Based on the distribution chart, Synchrony Financial ranks #449 out of 549 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Synchrony Financial has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Equity-to-Asset compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #449 out of 549 companies for Equity-to-Asset. This places Synchrony Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Synchrony Financial's value of 0.14 is 65% below this benchmark. Historically, Synchrony Financial's own Equity-to-Asset has ranged from 0.12 to 0.16 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.40, Synchrony Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 549 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Synchrony Financial's current Equity-to-Asset of 0.14 is 65% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Synchrony Financial and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 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 $74.42, compared to a current price of $78.59 — trading 5.6% above its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.14 and 65% below the Credit Services industry median of 0.40. Synchrony Financial's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Equity-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 $78.59 is trading 5.6% above its estimated GF Value™ of $74.42.
GuruFocus considers Synchrony Financial to be Fairly Valued.
Key valuation signals for SYF:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.14)
GF Value™: $74.42 vs. price of $78.59 (5.6% above fair value)
Industry Position: 65% below the Credit Services median (#449 of 549)
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).
77GF Score
Get the complete analysis for SYF
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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