Synchrony Financial (SYF) - Total Liabilities
Based on the latest financial reports, Synchrony Financial (SYF) has total liabilities worth $102.33 Billion USD as of December 2025. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Also explore Synchrony Financial equity growth rate to track the company's year-over-year net asset growth rate.
Synchrony Financial - Total Liabilities Trend (2012–2025)
This chart illustrates how Synchrony Financial's total liabilities have evolved over time, based on quarterly financial data. See how much free cash does Synchrony Financial generate to measure how efficiently the company converts operating cash flow to free cash.
Synchrony Financial Competitors by Total Liabilities
The table below lists competitors of Synchrony Financial ranked by their total liabilities.
| Company | Country | Total Liabilities |
|---|---|---|
|
H+M HEN.+MAU.UNSP.ADR 1/5
F:HMSA
|
Germany | €127.33 Billion |
|
VeriSign Inc
NASDAQ:VRSN
|
USA | $3.51 Billion |
|
AvalonBay Communities Inc
NYSE:AVB
|
USA | $10.41 Billion |
|
Curtiss-Wright Corporation
NYSE:CW
|
USA | $2.69 Billion |
|
Restaurant Brands International Inc
TO:QSR
|
Canada | CA$19.54 Billion |
|
KONE Oyj
HE:KNEBV
|
Finland | €6.23 Billion |
|
Everpure, Inc.
NYSE:P
|
USA | $3.23 Billion |
|
Bank Hapoalim
TA:POLI
|
Israel | ILA731.69 Billion |
Liability Composition Analysis (2012–2025)
This chart breaks down Synchrony Financial's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. For the full company profile including market capitalisation, see Synchrony Financial (SYF) total market value.
Liquidity & Leverage Metrics
Key Metrics Explained
| Metric | Value | Description |
|---|---|---|
| Current Ratio | 0.21 | Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities) |
| Quick Ratio | N/A | More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities) |
| Cash Ratio | N/A | Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities) |
| Debt to Equity | 6.10 | Measures financial leverage (Total Liabilities ÷ Shareholder Equity) |
| Debt to Assets | 0.86 | Portion of assets financed with debt (Total Liabilities ÷ Total Assets) |
Liability Trends Comparison
This chart compares key liability metrics across different time periods, showing how Synchrony Financial's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.
Annual Total Liabilities for Synchrony Financial (2012–2025)
The table below shows the annual total liabilities of Synchrony Financial from 2012 to 2025.
| Year | Total Liabilities | Change |
|---|---|---|
| 2025-12-31 | $102.33 Billion | -0.54% |
| 2024-12-31 | $102.88 Billion | -0.67% |
| 2023-12-31 | $103.58 Billion | +12.96% |
| 2022-12-31 | $91.69 Billion | +11.69% |
| 2021-12-31 | $82.09 Billion | -1.39% |
| 2020-12-31 | $83.25 Billion | -7.23% |
| 2019-12-31 | $89.74 Billion | -2.58% |
| 2018-12-31 | $92.11 Billion | +12.92% |
| 2017-12-31 | $81.57 Billion | +7.32% |
| 2016-12-31 | $76.01 Billion | +6.48% |
| 2015-12-31 | $71.39 Billion | +9.44% |
| 2014-12-31 | $65.23 Billion | +22.78% |
| 2013-12-31 | $53.12 Billion | +8.68% |
| 2012-12-31 | $48.88 Billion | -- |
About 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