Synchrony Financial Balance Sheet Health
Financial Health criteria checks 5/6
Synchrony Financial has total assets of $120.5B and total equity of $15.5B. Total deposits are $83.1B, and total loans are $91.3B. It earns a Net Interest Margin of 15.2%. It has sufficient allowance for bad loans, which are currently at 2.2% of total loans. Cash and short-term investments are $18.6B.
Key information
7.8x
Asset to equity ratio
15.2%
Net interest margin
| Total deposits | US$83.10b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$18.63b |
Recent financial health updates
No updates
Recent updates
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Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SFE0's Assets to Equity ratio (7.8x) is low.
Allowance for Bad Loans: SFE0 has a sufficient allowance for bad loans (489%).
Low Risk Liabilities: 79% of SFE0's liabilities are made up of primarily low risk sources of funding.
Loan Level: SFE0 has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: SFE0's Loans to Deposits ratio (110%) is appropriate.
Level of Bad Loans: SFE0 has a high level of bad loans (2.2%).