Latest period
$16.4B
YoY change
-1.8%
5Y CAGR
-0.8%
Peak year (FY2012)
$27.8B
Latest annual
$15.2B
Total Debt history chart for Synchrony Financial (SYF) from 2016 to 2025
Latest: $15.2B
Total Debt growth chart for Synchrony Financial (SYF) from 2016 to 2025
Latest: -1.8%
Total Debt history table for Synchrony Financial (SYF) from 2012 to 2025
| FY2025 | $15.2B | -1.8% | -$280M | ||
| FY2024 | $15.5B | -3.3% | -$520M | ||
| FY2023 | $16B | +12.6% | +$1.79B | ||
| FY2022 | $14.2B | -2.2% | -$316M | ||
| FY2021 | $14.5B | -8.0% | -$1.27B | ||
| FY2020 | $15.8B | -20.6% | -$4.09B | ||
| FY2019 | $19.9B | -17.2% | -$4.13B | ||
| FY2018 | $24B | +15.4% | +$3.2B | ||
| FY2017 | $20.8B | +3.2% | +$652M | ||
| FY2016 | $20.1B | -17.0% | -$4.13B | ||
| FY2015 | $24.3B | -11.6% | -$3.18B | ||
| FY2014 | $27.5B | +12.9% | +$3.14B | ||
| FY2013 | $24.3B | -12.6% | -$3.49B | ||
| FY2012 | $27.8B | — | — |
- FY2025$15.2B-1.8%
- FY2024$15.5B-3.3%
- FY2023$16B+12.6%
- FY2022$14.2B-2.2%
- FY2021$14.5B-8.0%
- FY2020$15.8B-20.6%
- FY2019$19.9B-17.2%
- FY2018$24B+15.4%
- FY2017$20.8B+3.2%
- FY2016$20.1B-17.0%
- FY2015$24.3B-11.6%
- FY2014$27.5B+12.9%
- FY2013$24.3B-12.6%
- FY2012$27.8B—
Total Debt values are taken from Synchrony Financial's reported balance sheets (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
About Total Debt at Synchrony Financial (SYF)
According to Synchrony Financial's latest reported financial statements, the company's latest reported total debt is $16.4B. 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 — compare with cash on hand for net leverage, and 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 .
In 2025, Synchrony Financial (SYF) total debt totalled $15.2B – 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.
$27.8B stands as the all-time-high annual total debt, posted in 2012, against a low of $14.2B during 2022.
Synchrony Financial Total Debt by Year
Synchrony Financial Total Debt 2025: $15.2B
2025's total debt for Synchrony Financial came in at $15.2B, edged down 1.8% below 2024.
Synchrony Financial Total Debt 2024: $15.5B
Synchrony Financial posted total debt of $15.5B in 2024, edged down 3.3% below 2023.
Synchrony Financial Total Debt 2023: $16B
In 2023, Synchrony Financial reported total debt of $16B, grew 12.6% from 2022.
Synchrony Financial Total Debt 2022: $14.2B
Synchrony Financial total debt in 2022 was $14.2B, edged down 2.2% below 2021. This figure represents the lowest annual value in the available history.
Synchrony Financial Total Debt 2021: $14.5B
Synchrony Financial total debt in 2021 was $14.5B.
See more financial history for Synchrony Financial (SYF).
Sector peers by Total Debt
Financial Services peers of Synchrony Financial (SYF), ranked by their latest total debt
| $942B | |
| $610B | |
| $476B | |
| $426B | |
| $366B | |
| $139B | |
| $25.2B | |
| $19B |
- $942B
- $610B
- $476B
- $426B
- $25.2B
- $19B
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Synchrony Financial (SYF) Key Financials
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