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Synchrony Financial Long-Term Debt 2015-2026 | SYF

Annual FY2015–FY2025 · quarterly through Q3 FY2026

Latest annual · FY2025

$15.18B

−1.8%YoY vs FY2024Source: 10-KFY2025

From $24.28B in FY2015 to $15.18B in FY2025: 0.6× in 10 years.

By quarter▲▼ vs a year before
Fiscal yearQ1Q2Q3Q4
FY26$16.4B−3.4%$16.4B+2.6%$17.0B+18.0%Not reported
FY25$17.0B+5.4%$16.0B+2.4%$14.4B−7.7%$15.2B−1.8%
FY24$16.1B+8.0%$15.6B+9.9%$15.6B+2.6%$15.5B−3.3%
FY23$14.9B+11.8%$14.2B+17.1%$15.2B+6.4%$16.0B+12.6%
FY22$13.4B−11.9%$12.2B−9.7%$14.3B+12.2%$14.2B−2.2%

Shaded by size: darkest is the largest quarter shown; ringed is the latest reported; a dash marks a quarter with no separate figure. Each quarter sits by its period-end date.

Key Statistics

Trend DirectionStable
CAGR

−0.8%

FY2020
$15.78B
FY2025
$15.18B

5 years selected · on the chart

Long-Term Debt History

Year-over-year comparison from 10-K annual reports

  1. $15.18B
YoY changeLargest recent move−20.6%in FY20Latest −1.8%

Long-Term Debt, period by period

PeriodValueChangeSource
FY2025$15.18B−1.8%10-K
FY2024$15.46B−3.3%10-K
FY2023$15.98B+12.6%10-K
FY2022$14.19B−2.2%10-K
FY2021$14.51B−8.0%10-K
FY2020$15.78B−20.6%10-K
FY2019$19.87B−17.2%10-K
FY2018$24.00B+15.4%10-K
FY2017$20.80B+3.2%10-K
FY2016$20.15B−17.0%10-K
FY2015$24.28B—10-K

What is long-term debt?

Long-term debt includes bonds, mortgages, and other borrowings with maturities greater than one year.

What is Synchrony Financial's current long-term debt?

Synchrony Financial (SYF) annual long-term debt for 2025 was $15.18B, a 1.81% decline from 2024. Synchrony Financial long-term debt for the quarter ending September 30, 2026 was $17.02B.

What was Synchrony Financial's long-term debt in 2024?

Synchrony Financial annual long-term debt for 2024 was $15.46B, a 3.25% decline from 2023.

What was Synchrony Financial's long-term debt in 2023?

Synchrony Financial annual long-term debt for 2023 was $15.98B, a 12.62% increase from 2022.

What is Synchrony Financial's 5-year long-term debt CAGR?

Synchrony Financial long-term debt grew at a compound annual growth rate (CAGR) of 0.76% from FY2020 to FY2025, going from $15.78B to $15.18B over 5 years.

Company
Synchrony Financial
Ticker
SYF
Sector
Other
Industry
Finance Services