Synchrony Financial (SYF) — Working Capital to Net Assets Ratio
Synchrony Financial (SYF) has a Working Capital to Net Assets ratio of -380.7% as of December 2025. Working capital of $-63.82 Billion (current assets of $17.32 Billion minus current liabilities of $81.14 Billion) is measured against net assets of $16.77 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See financial flexibility index of Synchrony Financial to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Synchrony Financial Working Capital to Net Assets (2012–2025)
This chart shows how Synchrony Financial's Working Capital to Net Assets ratio has evolved across 14 annual periods from 2012 to 2025. As of December 2025, the ratio stands at -380.7%, reflecting working capital of $-63.82 Billion against net assets of $16.77 Billion USD. See Synchrony Financial liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for Synchrony Financial (2012–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Synchrony Financial from 2012 to 2025, covering 14 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see how much is Synchrony Financial worth.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -380.7% | $-63.82 Billion | $16.77 Billion | $17.32 Billion | $81.14 Billion | ▲ +7.0 pp |
| 2024 | -387.6% | $-64.27 Billion | $16.58 Billion | $17.79 Billion | $82.06 Billion | ▼ -1124.5 pp |
| 2023 | 736.9% | $102.45 Billion | $13.90 Billion | $106.68 Billion | $4.22 Billion | ▲ +714.5 pp |
| 2022 | 22.4% | $2.88 Billion | $12.87 Billion | $10.22 Billion | $7.34 Billion | ▼ -40.1 pp |
| 2021 | 62.5% | $8.53 Billion | $13.65 Billion | $13.62 Billion | $5.09 Billion | ▼ -52.0 pp |
| 2020 | 114.5% | $14.54 Billion | $12.70 Billion | $18.99 Billion | $4.46 Billion | ▲ +63.8 pp |
| 2019 | 50.6% | $7.64 Billion | $15.09 Billion | $12.15 Billion | $4.51 Billion | ▲ +409.4 pp |
| 2018 | -358.8% | $-52.66 Billion | $14.68 Billion | $15.46 Billion | $68.12 Billion | ▼ -411.6 pp |
| 2017 | 52.8% | $7.52 Billion | $14.23 Billion | $11.60 Billion | $4.09 Billion | ▲ +14.0 pp |
| 2016 | 38.8% | $5.51 Billion | $14.20 Billion | $9.32 Billion | $3.81 Billion | ▼ -29.3 pp |
| 2015 | 68.1% | $8.59 Billion | $12.60 Billion | $12.32 Billion | $3.74 Billion | ▼ -17.9 pp |
| 2014 | 86.0% | $9.01 Billion | $10.48 Billion | $11.83 Billion | $2.81 Billion | ▲ +526.7 pp |
| 2013 | -440.7% | $-26.26 Billion | $5.96 Billion | $2.54 Billion | $28.80 Billion | ▼ -14.2 pp |
| 2012 | -426.5% | $-19.54 Billion | $4.58 Billion | $1.52 Billion | $21.07 Billion | — |