SYF (Synchrony Financial) LT-Debt-to-Total-Asset: 0.14 (As of Mar. 2026)

What is Synchrony Financial LT-Debt-to-Total-Asset?

Synchrony Financial SYF +0.18% 75 LT-Debt-to-Total-Asset is 0.14 as of Mar. 2026. GuruFocus rates SYF with a GF Score™ of 75/100 and a GF Value™ of $65.69 (Modestly Overvalued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Synchrony Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.14.

Synchrony Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.14) to Mar. 2026 (0.14). It may suggest that Synchrony Financial is progressively becoming less dependent on debt to grow their business.

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

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Synchrony Financial LT-Debt-to-Total-Asset Related Terms

Synchrony Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Synchrony Financial's LT-Debt-to-Total-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 LT-Debt-to-Total-Asset Chart

Synchrony Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.15

0.14

0.13

Synchrony Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.14	0.13	0.12	0.13	0.14

75GF Score

Synchrony Financial SYF

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Synchrony Financial LT-Debt-to-Total-Asset Calculation

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

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	15182	/	119095
	=	0.13

Synchrony Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	16428	/	121501
	=	0.14

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.14 mean?

Synchrony Financial (SYF) has a LT-Debt-to-Total-Asset of 0.14 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Synchrony Financial and its competitors.

Is Synchrony Financial's LT-Debt-to-Total-Asset too high?

Synchrony Financial's current LT-Debt-to-Total-Asset is 0.14. Overall, Synchrony Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Synchrony Financial's LT-Debt-to-Total-Asset compare to AFRM and SOFI?

Synchrony Financial's LT-Debt-to-Total-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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current LT-Debt-to-Total-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 Modestly Overvalued. The stock's GF Value™ is $65.69, compared to a current price of $78.66 — trading 19.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.14. Synchrony Financial's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Synchrony Financial (SYF), the current LT-Debt-to-Total-Asset is 0.14 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 $78.66 is trading 19.7% above its estimated GF Value™ of $65.69. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

LT-Debt-to-Total-Asset: 0.14
GF Value™: $65.69 vs. price of $78.66 (19.7% above fair value)
GF Score™: 75/100 with 3 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

Industry Financial Services Credit Services

Comparable Companies AFRM SOFI ALLY FCFS PYPL KLAR OMF CACC NNI SLM V MA AXP COF BOM:500034 NSE:SHRIRAMFIN BOM:532810 BOM:533398 NSE:CHOLAFIN NSE:TATACAP

Other Exchanges SYFpA.PFD:USA SYF:Mexico 1SYF:Italy 0LC3:UK SFE:Germany S1YF34:Brazil

Address 777 Long Ridge Road, Stamford, CT, USA, 06902

Website https://www.synchrony.com

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).

75GF Score

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$78.66

Price

$65.69

GF Value

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