Company / Total Debt
Synchrony Financial Total Debt History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Total Debt
$15.2B
FY2025
5-year range
$14.2B / $16.0B
FY2021-FY2025
Trend
-1.8%
vs FY2024
Sector context
#25 of 198
Financials
What the data says
Synchrony Financial's total debt of $15.2B is higher than 87% of companies in the Financials sector (FY2025). Total Debt has fluctuated over the past 10 years, ranging from $14.2B in FY2022 to $24.0B in FY2018.
Based on SEC 10-K filings.
$15.2B in FY2025 with a 5-year CAGR of -0.8%. Top quartile in the Financials sector.
Improved from $16.0B to $15.2B over the past 2 years.
Financials sector context is included.
Total Debt over time
Growth rates
- 3-Year CAGR
- +2.3%
- 5-Year CAGR
- -0.8%
- 10-Year CAGR
- -
Sector benchmark
Bottom 13% in FinancialsTop 87% of 198This company $15.2B Sector average $11.0B
▼
+38.1% above sector average
Key checks
Key Insights
- 5-year CAGR of -0.8%, indicating a declining trend.
- In FY2025, total debt decreased 1.8% year-over-year.
- Ranks #25 out of 198 companies in the Financials sector.
- Peak total debt was recorded in FY2018.
Company context
Key Data Points
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Total DebtValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $15.2B | -1.8% |
| FY2024 | $15.5B | -3.3% |
| FY2023 | $16.0B | +12.6% |
| FY2022 | $14.2B | -2.2% |
| FY2021 | $14.5B | -8.0% |
| FY2020 | $15.8B | -20.6% |
| FY2019 | $19.9B | -17.2% |
| FY2018 | $24.0B | +15.4% |
| FY2017 | $20.8B | +3.2% |
| FY2016 | $20.1B | -17.0% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026