Total Debt for Synchrony Financial (SYF)
According to Synchrony Financial's latest reported financial statements, the company's latest reported total debt is $16.43B USD. Total debt is the sum of short-term and long-term interest-bearing borrowings on the balance sheet (notes, bonds, term loans, lease liabilities). Useful for leverage and refinancing risk — combine with cash on hand for net debt, and see total liabilities for the broader obligations picture.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
Currently viewingTotal DebtSwitch metric
Latest period
$16.43B
YoY change
-1.8%
5Y CAGR
-0.8%
Peak year (2012)
$27.82B
Latest annual
$15.18B
Total Debt history chart for Synchrony Financial (SYF) from 2012 to 2025
Total Debt history table for Synchrony Financial (SYF) from 2012 to 2025
| Fiscal year | Period ended | Reported | Total Debt | YoY |
|---|---|---|---|---|
| 2025 | $15.18B | -1.8% | ||
| 2024 | $15.46B | -3.3% | ||
| 2023 | $15.98B | +12.6% | ||
| 2022 | $14.19B | -2.2% | ||
| 2021 | $14.51B | -8.0% | ||
| 2020 | $15.78B | -20.6% | ||
| 2019 | $19.87B | -17.2% | ||
| 2018 | $24.00B | +15.4% | ||
| 2017 | $20.80B | +3.2% | ||
| 2016 | $20.15B | -17.0% | ||
| 2015 | $24.28B | -11.6% | ||
| 2014 | $27.46B | +12.9% | ||
| 2013 | $24.32B | -12.6% | ||
| 2012 | $27.82B | — |
Total Debt 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
In 2025, Synchrony Financial (SYF) total debt totalled $15.18B – edged down 1.8% year-over-year.
Over 2020–2025 (5 years), Synchrony Financial total debt expanded at a -0.8% compound annual rate, with a net decline across the window.
$27.82B stands as the all-time-high annual total debt, posted in 2012, against a low of $14.19B during 2022.
Among 8 Financial Services peers, Synchrony Financial (SYF) ranks 9th; the peer median for total debt is $395.81B.
Synchrony Financial Total Debt by Year
Synchrony Financial Total Debt 2025: $15.18B
Synchrony Financial total debt in 2025 was $15.18B, edged down 1.8% below 2024.
Synchrony Financial Total Debt 2024: $15.46B
Synchrony Financial total debt in 2024 was $15.46B, edged down 3.3% below 2023.
Synchrony Financial Total Debt 2023: $15.98B
Synchrony Financial total debt in 2023 was $15.98B, grew 12.6% from 2022.
Synchrony Financial Total Debt 2022: $14.19B
Synchrony Financial total debt in 2022 was $14.19B, edged down 2.2% below 2021. This figure represents the lowest annual value in the available history.
Synchrony Financial Total Debt 2021: $14.51B
Synchrony Financial total debt in 2021 was $14.51B.
See more financial history for Synchrony Financial (SYF).
Sector peers — Total Debt
Companies in the same sector as Synchrony Financial, ranked by their latest total debt.
| Company | Total Debt | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $942.38B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $609.53B | Financial Services |
| Morgan Stanley (MS) | $475.56B | Financial Services |
| Wells Fargo & Company (WFC) | $425.72B | Financial Services |
| Bank of America Corporation (BAC) | $365.90B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $138.95B | Financial Services |
| Visa Inc. (V) | $25.17B | Financial Services |
| Mastercard Incorporated (MA) | $19.00B | Financial Services |
Frequently asked questions
What is Synchrony Financial's total debt?
- Latest reported total debt for Synchrony Financial (SYF) is $16.43B (period ending March 31, 2026).
How has Synchrony Financial total debt changed year-over-year?
- Synchrony Financial (SYF) total debt changed -1.8% year-over-year on the latest annual filing.
What is the long-term growth rate of Synchrony Financial total debt?
- Synchrony Financial (SYF) total debt compound annual growth rate is -0.8% over the most recent 5 years available.
When did Synchrony Financial total debt hit its highest annual value?
- Synchrony Financial total debt reached its highest annual value of $27.82B in 2012.
What was Synchrony Financial total debt in 2024?
- Synchrony Financial (SYF) total debt in 2024 was $15.46B.
What was Synchrony Financial total debt in 2025?
- Synchrony Financial (SYF) total debt in 2025 was $15.18B.
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