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
Synchrony Financial (SYF) - Total Assets
Latest total assets as of December 2025: $119.09 Billion USD
Based on the latest financial reports, Synchrony Financial (SYF) holds total assets worth $119.09 Billion USD as of December 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Synchrony Financial - Total Assets Trend (2012–2025)
This chart illustrates how Synchrony Financial’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Synchrony Financial - Asset Composition Analysis
Current Asset Composition (December 2025)
Synchrony Financial's total assets of $119.09 Billion consist of 14.5% current assets and 85.5% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 12.6% |
| Accounts Receivable | $0.00 | 0.0% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $1.25 Billion | 1.1% |
| Goodwill | $1.36 Billion | 1.1% |
Asset Composition Trend (2012–2025)
This chart illustrates how Synchrony Financial's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Synchrony Financial's current assets represent 14.5% of total assets in 2025, an increase from 2.9% in 2012.
- Cash Position: Cash and equivalents constituted 12.6% of total assets in 2025, up from 2.5% in 2012.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 2.0% of total assets, an increase from 1.0% in 2012.
- Asset Diversification: The largest asset category is goodwill at 1.1% of total assets.
Synchrony Financial Competitors by Total Assets
Key competitors of Synchrony Financial based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Evergreen Max Cash Capital Berhad
KLSE:0286
|
Malaysia | RM361.11 Million |
|
Samsung Card Co. Ltd.
KO:029780
|
Korea | ₩32.17 Trillion |
|
Yiren Digital Ltd
F:19YA
|
Germany | €14.45 Billion |
|
Yixin Group Limited
F:1YX
|
Germany | €50.34 Billion |
|
BFF Bank S.p.A
F:2BF
|
Germany | €12.13 Billion |
|
Resurs Holding AB (publ)
F:4R6
|
Germany | €50.33 Billion |
|
Aeon Credit Service Bhd
KLSE:5139
|
Malaysia | RM15.62 Billion |
Synchrony Financial - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Synchrony Financial generates 0.16x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Synchrony Financial generates $ 2.98 in net profit.
Synchrony Financial - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.21 | 0.22 | 0.34 |
| Quick Ratio | 0.21 | 0.22 | 0.34 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-63.82 Billion | $ -64.27 Billion | $ -44.09 Billion |
Synchrony Financial - Advanced Valuation Insights
This section examines the relationship between Synchrony Financial's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.60 |
| Latest Market Cap to Assets Ratio | 0.19 |
| Asset Growth Rate (YoY) | -0.3% |
| Total Assets | $119.09 Billion |
| Market Capitalization | $22.09 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Synchrony Financial's assets below their book value (0.19 x), which may indicate investor concerns about asset quality or future growth.
Slight Asset Contraction: Synchrony Financial's assets decreased by 0.3% over the past year, which may reflect streamlining or optimization of resources.
Annual Total Assets for Synchrony Financial (2012–2025)
The table below shows the annual total assets of Synchrony Financial from 2012 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $119.09 Billion | -0.31% |
| 2024-12-31 | $119.46 Billion | +1.69% |
| 2023-12-31 | $117.48 Billion | +12.35% |
| 2022-12-31 | $104.56 Billion | +9.21% |
| 2021-12-31 | $95.75 Billion | -0.21% |
| 2020-12-31 | $95.95 Billion | -8.47% |
| 2019-12-31 | $104.83 Billion | -1.84% |
| 2018-12-31 | $106.79 Billion | +11.46% |
| 2017-12-31 | $95.81 Billion | +6.21% |
| 2016-12-31 | $90.21 Billion | +7.40% |
| 2015-12-31 | $83.99 Billion | +10.94% |
| 2014-12-31 | $75.71 Billion | +28.13% |
| 2013-12-31 | $59.09 Billion | +10.52% |
| 2012-12-31 | $53.46 Billion | -- |