Cash on Hand for Synchrony Financial (SYF)
According to Synchrony Financial's latest reported financial statements, the company's latest reported cash and short-term investments is $20.56B USD. Cash on hand here is cash, cash equivalents, and short-term investments reported at the end of each period — the most liquid assets on the balance sheet. Compare with total debt for a net cash/debt picture and with total assets for the share of assets held in cash.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
Currently viewingCash on HandSwitch metric
Latest period
$20.56B
YoY change
-2.6%
5Y CAGR
-1.8%
Peak year (2020)
$18.99B
Latest annual
$17.32B
Cash on Hand history chart for Synchrony Financial (SYF) from 2012 to 2025
Cash on Hand history table for Synchrony Financial (SYF) from 2012 to 2025
| Fiscal year | Period ended | Reported | Cash on Hand | YoY |
|---|---|---|---|---|
| 2025 | $17.32B | -2.6% | ||
| 2024 | $17.79B | -1.5% | ||
| 2023 | $18.06B | +19.0% | ||
| 2022 | $15.17B | +11.4% | ||
| 2021 | $13.62B | -28.3% | ||
| 2020 | $18.99B | +5.2% | ||
| 2019 | $18.06B | +16.8% | ||
| 2018 | $15.46B | -3.8% | ||
| 2017 | $16.07B | +11.5% | ||
| 2016 | $14.42B | -6.7% | ||
| 2015 | $15.45B | +15.2% | ||
| 2014 | $13.41B | +428.0% | ||
| 2013 | $2.54B | +66.9% | ||
| 2012 | $1.52B | — |
Cash on Hand values are taken from Synchrony Financial's reported balance sheets (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
Synchrony Financial (SYF) most recent annual cash and short-term investments stands at $17.32B (2025) – edged down 2.6% year-over-year.
Across 2020–2025 (5 years), Synchrony Financial cash and short-term investments produced a CAGR of -1.8% – with a net decline across the window.
Between 2020 and 2025, Synchrony Financial cash and short-term investments declined 8.8%, falling from $18.99B to $17.32B.
Across the available history, cash and short-term investments reached its high of $18.99B in 2020 and its low of $1.52B in 2012.
Synchrony Financial (SYF) sits 8th of 8 Financial Services peers we track on this metric, against a peer median of $505.76B.
Synchrony Financial Cash on Hand by Year
Synchrony Financial Cash on Hand 2025: $17.32B
Synchrony Financial cash and short-term investments in 2025 was $17.32B, edged down 2.6% below 2024.
Synchrony Financial Cash on Hand 2024: $17.79B
Synchrony Financial cash and short-term investments in 2024 was $17.79B, edged down 1.5% below 2023.
Synchrony Financial Cash on Hand 2023: $18.06B
Synchrony Financial cash and short-term investments in 2023 was $18.06B, grew 19.0% from 2022.
Synchrony Financial Cash on Hand 2022: $15.17B
Synchrony Financial cash and short-term investments in 2022 was $15.17B, grew 11.4% from 2021.
Synchrony Financial Cash on Hand 2021: $13.62B
Synchrony Financial cash and short-term investments in 2021 was $13.62B.
See more financial history for Synchrony Financial (SYF).
Sector peers — Cash on Hand
Companies in the same sector as Synchrony Financial, ranked by their latest cash and short-term investments.
| Company | Cash on Hand | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $1.48T | Financial Services |
| Bank of America Corporation (BAC) | $963.73B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $624.53B | Financial Services |
| Morgan Stanley (MS) | $539.97B | Financial Services |
| Wells Fargo & Company (WFC) | $471.55B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $373.31B | Financial Services |
| Visa Inc. (V) | $21.99B | Financial Services |
| Mastercard Incorporated (MA) | $11.46B | Financial Services |
Frequently asked questions
What is Synchrony Financial's cash and short-term investments?
- Latest reported cash and short-term investments for Synchrony Financial (SYF) is $20.56B (period ending March 31, 2026).
How has Synchrony Financial cash and short-term investments changed year-over-year?
- Synchrony Financial (SYF) cash and short-term investments changed -2.6% year-over-year on the latest annual filing.
What is the long-term growth rate of Synchrony Financial cash and short-term investments?
- Synchrony Financial (SYF) cash and short-term investments compound annual growth rate is -1.8% over the most recent 5 years available.
When did Synchrony Financial cash and short-term investments hit its highest annual value?
- Synchrony Financial cash and short-term investments reached its highest annual value of $18.99B in 2020.
What was Synchrony Financial cash and short-term investments in 2024?
- Synchrony Financial (SYF) cash and short-term investments in 2024 was $17.79B.
What was Synchrony Financial cash and short-term investments in 2025?
- Synchrony Financial (SYF) cash and short-term investments in 2025 was $17.32B.
Metrics overview
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