Synchrony Financial (SYF) — Tangible Net Worth Ratio
Synchrony Financial (SYF) has a Tangible Net Worth Ratio of 92.5% as of December 2025. This metric is calculated by deducting intangible assets ($1.25 Billion) from net assets ($16.77 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See Synchrony Financial working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Synchrony Financial Tangible Net Worth Ratio (2012–2025)
This chart shows how Synchrony Financial's Tangible Net Worth Ratio has changed across 14 annual periods from 2012 to 2025. As of December 2025, the ratio stands at 92.5%, reflecting net assets of $16.77 Billion with intangible assets of $1.25 Billion USD. See SYF defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Synchrony Financial (2012–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Synchrony Financial from 2012 to 2025, covering 14 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see Synchrony Financial stock valuation.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 92.5% | $16.77 Billion | $1.25 Billion | $119.09 Billion | ▼ -2.3 pp |
| 2024 | 94.8% | $16.58 Billion | $854.00 Million | $119.46 Billion | ▲ +0.7 pp |
| 2023 | 94.1% | $13.90 Billion | $815.00 Million | $117.48 Billion | ▲ +4.1 pp |
| 2022 | 90.0% | $12.87 Billion | $1.29 Billion | $104.56 Billion | ▼ -1.4 pp |
| 2021 | 91.4% | $13.65 Billion | $1.17 Billion | $95.75 Billion | ▲ +0.3 pp |
| 2020 | 91.1% | $12.70 Billion | $1.12 Billion | $95.95 Billion | ▼ -0.5 pp |
| 2019 | 91.6% | $15.09 Billion | $1.26 Billion | $104.83 Billion | ▼ -0.6 pp |
| 2018 | 92.3% | $14.68 Billion | $1.14 Billion | $106.79 Billion | ▼ -2.5 pp |
| 2017 | 94.7% | $14.23 Billion | $749.00 Million | $95.81 Billion | ▼ -0.2 pp |
| 2016 | 95.0% | $14.20 Billion | $712.00 Million | $90.21 Billion | ▲ +0.5 pp |
| 2015 | 94.4% | $12.60 Billion | $701.00 Million | $83.99 Billion | ▼ -0.6 pp |
| 2014 | 95.0% | $10.48 Billion | $519.00 Million | $75.71 Billion | ▲ +0.1 pp |
| 2013 | 95.0% | $5.96 Billion | $300.00 Million | $59.09 Billion | ▲ +0.5 pp |
| 2012 | 94.4% | $4.58 Billion | $255.00 Million | $53.46 Billion | — |