Synchrony Financial Asset Resilience Ratio
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. See Synchrony Financial defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Synchrony Financial (2012–2025)
Asset resilience ratio of Synchrony Financial from 2012 to 2025. This chart shows how Synchrony Financial's Asset Resilience Ratio has changed over time. Read Synchrony Financial balance sheet liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see SYF current and non-current assets.
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 |
|---|---|---|
|
Muthoot Finance Limited
NSE:MUTHOOTFIN |
Credit Services | 6.00% |
|
Gentera S.A.B. de C.V
MX:GENTERA |
Credit Services | 0.95% |
|
Housing & Urban Development Corporation Limited
NSE:HUDCO |
Credit Services | 0.10% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Five-Star Business Finance Limited
NSE:FIVESTAR |
Credit Services | 4.49% |
|
Latitude Group Holdings Ltd
AU:LFS |
Credit Services | 3.67% |
|
Direct Finance TA
TA:DIFI |
Credit Services | 0.01% |
Synchrony Financial Asset Resilience Ratio by Year (2012–2025)
Synchrony Financial asset resilience ratio by year from 2012 to 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