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. Also explore SYF shareholders equity momentum to track the company's year-over-year net asset growth rate.
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. For live market cap and overall valuation, see Synchrony Financial (SYF) total market value.
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. Explore how much does Synchrony Financial reinvest in capital to see what proportion of operating cash flow is directed to capital expenditures.
| 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 | — |