Synchrony Financial (SYF) — Net Asset Quality Index
Synchrony Financial (SYF) has a Net Asset Quality Index of 14.1% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $119.09 Billion minus total liabilities of $102.33 Billion yields net assets of $16.77 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Read Synchrony Financial balance sheet liabilities for a breakdown of total debt and financial obligations.
Quality Index
Net Assets
Total Assets
Total Liabilities
Synchrony Financial Net Asset Quality Index Over Time (2012–2025)
This chart shows how Synchrony Financial's Net Asset Quality Index has evolved across 14 annual periods from 2012 to 2025. As of December 2025, the index stands at 14.1%, representing net assets of $16.77 Billion against total assets of $119.09 Billion USD. For live market cap and overall valuation, see Synchrony Financial (SYF) market capitalisation.
Annual Net Asset Quality Index for Synchrony Financial (2012–2025)
The table below presents the year-by-year Net Asset Quality Index for Synchrony Financial from 2012 to 2025, covering 14 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. Check SYF PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 14.1% | $16.77 Billion | $119.09 Billion | $102.33 Billion | ▲ +0.2 pp |
| 2024 | 13.9% | $16.58 Billion | $119.46 Billion | $102.88 Billion | ▲ +2.0 pp |
| 2023 | 11.8% | $13.90 Billion | $117.48 Billion | $103.58 Billion | ▼ -0.5 pp |
| 2022 | 12.3% | $12.87 Billion | $104.56 Billion | $91.69 Billion | ▼ -2.0 pp |
| 2021 | 14.3% | $13.65 Billion | $95.75 Billion | $82.09 Billion | ▲ +1.0 pp |
| 2020 | 13.2% | $12.70 Billion | $95.95 Billion | $83.25 Billion | ▼ -1.2 pp |
| 2019 | 14.4% | $15.09 Billion | $104.83 Billion | $89.74 Billion | ▲ +0.6 pp |
| 2018 | 13.7% | $14.68 Billion | $106.79 Billion | $92.11 Billion | ▼ -1.1 pp |
| 2017 | 14.9% | $14.23 Billion | $95.81 Billion | $81.57 Billion | ▼ -0.9 pp |
| 2016 | 15.7% | $14.20 Billion | $90.21 Billion | $76.01 Billion | ▲ +0.7 pp |
| 2015 | 15.0% | $12.60 Billion | $83.99 Billion | $71.39 Billion | ▲ +1.2 pp |
| 2014 | 13.8% | $10.48 Billion | $75.71 Billion | $65.23 Billion | ▲ +3.8 pp |
| 2013 | 10.1% | $5.96 Billion | $59.09 Billion | $53.12 Billion | ▲ +1.5 pp |
| 2012 | 8.6% | $4.58 Billion | $53.46 Billion | $48.88 Billion | — |