Synchrony Financial - Asset Resilience Ratio
Synchrony Financial (SYF) has an Asset Resilience Ratio of 1.97% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check SYF capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2012–2025)
This chart shows how Synchrony Financial's Asset Resilience Ratio has changed over time. See SYF equity financing ratio to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Synchrony Financial's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see market value of Synchrony Financial.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.35 Billion | 1.97% |
| Total Liquid Assets | $2.35 Billion | 1.97% |
Asset Resilience Insights
- Limited Liquidity: Synchrony Financial maintains only 1.97% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Synchrony Financial Industry Peers by Asset Resilience Ratio
Compare Synchrony Financial's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Credit Acceptance Corporation
NASDAQ:CACC |
Credit Services | 1.26% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
CREDITACCESS GRAMEEN LIMITED
NSE:CREDITACC |
Credit Services | 3.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
BFI Finance Indonesia Tbk
JK:BFIN |
Credit Services | 1.84% |
|
IndoStar Capital Finance Limited
NSE:INDOSTAR |
Credit Services | 2.88% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
Annual Asset Resilience Ratio for Synchrony Financial (2012–2025)
The table below shows the annual Asset Resilience Ratio data for Synchrony Financial.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 1.97% | $2.35 Billion | $119.09 Billion | -0.61pp |
| 2024-12-31 | 2.58% | $3.08 Billion | $119.46 Billion | -0.66pp |
| 2023-12-31 | 3.23% | $3.80 Billion | $117.48 Billion | -1.43pp |
| 2022-12-31 | 4.67% | $4.88 Billion | $104.56 Billion | -0.85pp |
| 2021-12-31 | 5.52% | $5.28 Billion | $95.75 Billion | -2.27pp |
| 2020-12-31 | 7.78% | $7.47 Billion | $95.95 Billion | +2.15pp |
| 2019-12-31 | 5.64% | $5.91 Billion | $104.83 Billion | -0.04pp |
| 2018-12-31 | 5.68% | $6.06 Billion | $106.79 Billion | +1.01pp |
| 2017-12-31 | 4.67% | $4.47 Billion | $95.81 Billion | -0.98pp |
| 2016-12-31 | 5.65% | $5.09 Billion | $90.21 Billion | +1.93pp |
| 2015-12-31 | 3.72% | $3.13 Billion | $83.99 Billion | +1.63pp |
| 2014-12-31 | 2.09% | $1.58 Billion | $75.71 Billion | +1.72pp |
| 2013-12-31 | 0.37% | $221.00 Million | $59.09 Billion | +0.02pp |
| 2012-12-31 | 0.35% | $188.00 Million | $53.46 Billion | -- |
About Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking product… Read more