Synchrony Financial Balance Sheet Health
Financial Health criteria checks 5/6
Synchrony Financial has total assets of $117.0B and total equity of $17.1B. Total deposits are $79.9B, and total loans are $89.8B. It earns a Net Interest Margin of 14.8%. It has sufficient allowance for bad loans, which are currently at 2.1% of total loans. Cash and short-term investments are $16.2B.
Key information
6.9x
Asset to equity ratio
14.8%
Net interest margin
| Total deposits | US$79.89b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$16.25b |
Recent financial health updates
No updates
Recent updates
Synchrony Financial: Credit Continues To Defy Fears (Rating Upgrade)
Nov 15Synchrony Financial (NYSE:SYF) Is Paying Out A Larger Dividend Than Last Year
Apr 25
Synchrony Financial: Solid Q1 But Doubts Remain (Upgrade)
Apr 22Synchrony Financial: Slow And Steady Wins The Race
Feb 05Synchrony Financial: Don't Fear Tighter Credit Standards
Jan 29Synchrony Financial (NYSE:SYF) Is Due To Pay A Dividend Of $0.25
Jan 25Synchrony Financial: Strong Fundamentals But Technical Headwinds
Jan 04Synchrony Financial: Undervalued Gem In Fintech
Nov 30Synchrony Financial: Why I Prefer The Lower Yielding Series A Preferred Shares
Oct 23Synchrony Financial: Consumer Lending May Meltdown If Unemployment Continues To Rise
Sep 18Synchrony Financial: Not Too Expensive Yet
Jul 18Synchrony Financial: Comparing The 2 High Yielding Preferred Shares
Jun 26Synchrony Financial: Finally Getting Credit
Apr 26Synchrony Financial: Charge-Offs Create Downside Risk (Rating Downgrade)
Mar 05Synchrony Financial Offers 2 Good Income Options
Jan 24Synchrony Financial: 8.9% Yielding Preferred Shares Are Attractive
Nov 20Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SYF's Assets to Equity ratio (6.9x) is low.
Allowance for Bad Loans: SYF has a sufficient allowance for bad loans (487%).
Low Risk Liabilities: 80% of SYF's liabilities are made up of primarily low risk sources of funding.
Loan Level: SYF has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: SYF's Loans to Deposits ratio (112%) is appropriate.
Level of Bad Loans: SYF has a high level of bad loans (2.1%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/12/05 22:28 |
| End of Day Share Price | 2025/12/05 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Synchrony Financial is covered by 42 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David George | Baird |
| Brennan Crowley | Baird |
| Mark DeVries | Barclays |