Synchrony Financial SYF-PA NYSE

Synchrony Financial (SYF-PA) reported total assets of $119.1B and total liabilities of $102.33B for fiscal year 2025, resulting in total equity of $16.77B.

The company held $17.32B in cash and short-term investments. Total debt stood at $15.18B, with net debt of $209M. The Debt-to-Equity (D/E) ratio was 0.91 (moderate).

Current ratio is 0.21, which may signal tight short-term liquidity. Interest coverage is 1.1x (weak).

Criteria supported by this page:

• HEALTH (17/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
• MOAT (63/100) — Total assets $119.1B and equity $16.77B support the company's competitive scale
• VALUE (76/100) — Debt-to-Equity 0.91 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 62/100 with 4/7 criteria passed.

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