Synchrony Financial Balance Sheet Health
Financial Health criteria checks 5/6
Synchrony Financial has total assets of $119.2B and total equity of $16.0B. Total deposits are $82.3B, and total loans are $91.2B. It earns a Net Interest Margin of 15.2%. It has sufficient allowance for bad loans, which are currently at 2.3% of total loans. Cash and short-term investments are $17.9B.
Key information
7.5x
Asset to equity ratio
15.2%
Net interest margin
| Total deposits | US$82.28b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$17.93b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SFE's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: SFE has a sufficient allowance for bad loans (463%).
Low Risk Liabilities: 80% of SFE's liabilities are made up of primarily low risk sources of funding.
Loan Level: SFE has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: SFE's Loans to Deposits ratio (111%) is appropriate.
Level of Bad Loans: SFE has a high level of bad loans (2.3%).