Synchrony Financial (SYF) — Defensive Interval Ratio
Synchrony Financial (SYF) has a Defensive Interval Ratio of 11 days as of December 2025. Defensive assets of $2.35 Billion (cash $-, short-term investments $2.35 Billion, receivables $-) cover 11 days of daily cash needs of $222.31 Million/day. Check Synchrony Financial tangible book value ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Synchrony Financial Defensive Interval Ratio (2012–2025)
This chart shows how Synchrony Financial's Defensive Interval Ratio has evolved across 14 annual periods from 2012 to 2025. As of December 2025, the ratio stands at 11 days, meaning defensive assets of $2.35 Billion can fund 11 days of operations without new revenue. Also explore SYF net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Synchrony Financial (2012–2025)
The table below presents the year-by-year Defensive Interval Ratio for Synchrony Financial from 2012 to 2025, covering 14 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Synchrony Financial market cap and net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 11 days | $2.35 Billion | $222.31 Million/day | $- | $2.35 Billion | ▼ -420 days |
| 2024 | 431 days | $96.87 Billion | $224.83 Million/day | $- | $3.08 Billion | ▼ -7881 days |
| 2023 | 8312 days | $96.22 Billion | $11.58 Million/day | $- | $3.80 Billion | ▲ +8069 days |
| 2022 | 243 days | $4.88 Billion | $20.11 Million/day | $- | $4.88 Billion | ▼ -5305 days |
| 2021 | 5548 days | $77.33 Billion | $13.94 Million/day | $- | $5.28 Billion | ▼ -929 days |
| 2020 | 6477 days | $79.07 Billion | $12.21 Million/day | $- | $7.47 Billion | ▼ -610 days |
| 2019 | 7087 days | $87.52 Billion | $12.35 Million/day | $- | $5.91 Billion | ▲ +6589 days |
| 2018 | 497 days | $92.77 Billion | $186.62 Million/day | $- | $6.06 Billion | ▼ -6725 days |
| 2017 | 7222 days | $80.85 Billion | $11.19 Million/day | $- | $4.47 Billion | ▼ -165 days |
| 2016 | 7387 days | $77.09 Billion | $10.44 Million/day | $- | $5.09 Billion | ▲ +758 days |
| 2015 | 6629 days | $67.92 Billion | $10.25 Million/day | $- | $3.13 Billion | ▼ -1106 days |
| 2014 | 7735 days | $59.63 Billion | $7.71 Million/day | $- | $1.58 Billion | ▲ +7732 days |
| 2013 | 3 days | $221.00 Million | $78.92 Million/day | $- | $221.00 Million | ▼ 0 days |
| 2012 | 3 days | $188.00 Million | $57.71 Million/day | $- | $188.00 Million | — |