Synchrony Financial (SYF) Interest Coverage Ratio: History & Chart

Synchrony Financial (SYF)SYFSynchrony Financial

About Synchrony Financial

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

Stamford, CT

20,000 employees

www.synchrony.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Brian D. Doubles

View full financials

SYF Interest Coverage Ratio Metrics

INTEREST COVERAGE RATIO

0.94x

INTEREST COVERAGE RATIO AVG TTM

1.08x

INTEREST COVERAGE RATIO AVG 3Y

0.93x

INTEREST COVERAGE RATIO AVG 5Y

2.22x

INTEREST COVERAGE RATIO AVG 10Y

1.87x

INTEREST COVERAGE RATIO AVG 15Y

N/A

INTEREST COVERAGE RATIO AVG 20Y

N/A

CURRENT VS TTM AVG

-12.92%

CURRENT VS 3Y AVG

+1.90%

CURRENT VS 5Y AVG

-57.55%

CURRENT VS 10Y AVG

-49.57%

CURRENT VS 15Y AVG

N/A

CURRENT VS 20Y AVG

N/A

SECTOR MEDIAN · FINANCIAL SERVICES

5.20x

median of 91 covered companies

CURRENT VS SECTOR MEDIAN

-81.84%

vs the sector median at left

NAME	MARKET CAP	INTEREST COVERAGE RATIO	TTM	3Y	5Y
Synchrony Financial (SYF)	$24.50B	0.94x	1.08x	0.93x	2.22x
Loews Corporation (L)vs ›	$24.39B	5.22x	4.73x	4.43x	4.56x
KeyCorp (KEY)vs ›	$24.30B	0.61x	0.61x	1.18x	3.38x
Principal Financial Group, Inc. (PFG)vs ›	$24.04B	643.64x	685.20x	1687.11x	1725.47x
Brown & Brown, Inc. (BRO)vs ›	$23.62B	5.71x	6.25x	6.22x	8.23x
T. Rowe Price Group, Inc. (TROW)vs ›	$25.54B	N/A	N/A	N/A	N/A
Regions Financial Corporation (RF)vs ›	$26.23B	1.32x	1.18x	3.27x	5.99x
SoFi Technologies, Inc. (SOFI)vs ›	$21.65B	0.45x	0.33x	0.33x	0.33x
Global Payments Inc. (GPN)vs ›	$20.87B	2.27x	2.94x	3.40x	3.73x
W. R. Berkley Corporation (WRB)vs ›	$28.18B	18.40x	18.12x	15.80x	12.77x

NAME

MARKET CAP

INTEREST COVERAGE RATIO

TTM

Synchrony Financial (SYF)

$24.50B

0.94x

1.08x

0.93x

2.22x

Loews Corporation (L)vs ›

$24.39B

5.22x

4.73x

4.43x

4.56x

KeyCorp (KEY)vs ›

$24.30B

0.61x

1.18x

3.38x

Principal Financial Group, Inc. (PFG)vs ›

$24.04B

643.64x

685.20x

1687.11x

1725.47x

Brown & Brown, Inc. (BRO)vs ›

$23.62B

5.71x

6.25x

6.22x

8.23x

T. Rowe Price Group, Inc. (TROW)vs ›

$25.54B

N/A

Regions Financial Corporation (RF)vs ›

$26.23B

1.32x

1.18x

3.27x

5.99x

SoFi Technologies, Inc. (SOFI)vs ›

$21.65B

0.45x

0.33x

Global Payments Inc. (GPN)vs ›

$20.87B

2.27x

2.94x

3.40x

3.73x

W. R. Berkley Corporation (WRB)vs ›

$28.18B

18.40x

18.12x

15.80x

12.77x

Interest Coverage Ratio FAQ

What is the interest coverage ratio for Synchrony Financial (SYF)?

The interest coverage ratio for SYF stock is 0.94x.

Is Synchrony Financial's interest coverage ratio high or low?

The interest coverage ratio of 0.94x is 58% below its 5-year average of 2.22x, near the low end of its 5-year range (0.50x–6.25x).

What is the TTM average interest coverage ratio for Synchrony Financial (SYF)?

The TTM average interest coverage ratio for SYF stock is 1.08x.

What is the 3Y average interest coverage ratio for Synchrony Financial (SYF)?

The 3Y average interest coverage ratio for SYF stock is 0.93x.

What is the 5Y average interest coverage ratio for Synchrony Financial (SYF)?

The 5Y average interest coverage ratio for SYF stock is 2.22x.

What is the 10Y average interest coverage ratio for Synchrony Financial (SYF)?

The 10Y average interest coverage ratio for SYF stock is 1.87x.

DATE	INTEREST COVERAGE RATIO
2026-03-31	0.94x
2025-12-31	0.98x
2025-09-30	1.41x
2025-06-30	1.18x
2025-03-31	0.91x
2024-12-31	0.87x
2024-09-30	0.87x
2024-06-30	0.72x
2024-03-31	1.47x
2023-12-31	0.50x
2023-09-30	0.84x
2023-06-30	0.82x
2023-03-31	1.07x
2022-12-31	1.23x
2022-09-30	2.23x
2022-06-30	3.92x
2022-03-31	5.29x
2021-12-31	4.70x
2021-09-30	6.25x
2021-06-30	6.17x
2021-03-31	4.34x
2020-12-31	2.83x
2020-09-30	1.08x
2020-06-30	0.14x
2020-03-31	0.74x
2019-12-31	1.66x
2019-09-30	2.32x
2019-06-30	1.94x
2019-03-31	2.61x
2018-12-31	1.86x
2018-09-30	1.83x
2018-06-30	2.04x
2018-03-31	2.11x
2017-12-31	2.33x
2017-09-30	2.46x
2017-06-30	2.37x
2017-03-31	2.40x
2016-12-31	2.85x
2016-09-30	3.06x
2016-06-30	2.54x
2016-03-31	2.98x
2015-12-31	2.88x
2015-09-30	3.18x
2015-06-30	3.19x
2015-03-31	3.21x
2014-12-31	3.02x
2014-09-30	3.60x
2014-06-30	3.71x
2014-03-31	4.68x
2013-12-31	3.68x
2013-09-30	5.58x
2013-06-30	4.81x
2013-03-31	2.97x

DATE

INTEREST COVERAGE RATIO

2026-03-31

0.94x

2025-12-31

0.98x

2025-09-30

1.41x

2025-06-30

1.18x

2025-03-31

0.91x

2024-12-31

0.87x

2024-09-30

0.87x

2024-06-30

0.72x

2024-03-31

1.47x

2023-12-31

0.50x

2023-09-30

0.84x

2023-06-30

0.82x

2023-03-31

1.07x

2022-12-31

1.23x

2022-09-30

2.23x

2022-06-30

3.92x

2022-03-31

5.29x

2021-12-31

4.70x

2021-09-30

6.25x

2021-06-30

6.17x

2021-03-31

4.34x

2020-12-31

2.83x

2020-09-30

1.08x

2020-06-30

0.14x

2020-03-31

0.74x

2019-12-31

1.66x

2019-09-30

2.32x

2019-06-30

1.94x

2019-03-31

2.61x

2018-12-31

1.86x

2018-09-30

1.83x

2018-06-30

2.04x

2018-03-31

2.11x

2017-12-31

2.33x

2017-09-30

2.46x

2017-06-30

2.37x

2017-03-31

2.40x

2016-12-31

2.85x

2016-09-30

3.06x

2016-06-30

2.54x

2016-03-31

2.98x

2015-12-31

2.88x

2015-09-30

3.18x

2015-06-30

3.19x

2015-03-31

3.21x

2014-12-31

3.02x

2014-09-30

3.60x

2014-06-30

3.71x

2014-03-31

4.68x

2013-12-31

3.68x

2013-09-30

5.58x

2013-06-30

4.81x

2013-03-31

2.97x

Interest Coverage Ratio: 0.94x

SYF Interest Coverage Ratio

SYF Average Interest Coverage Ratio Chart

SYF Current vs Average Interest Coverage Ratio Chart

SYF Interest Coverage Ratio Metrics

SYF Competitors' Interest Coverage Ratio

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Interest Coverage Ratio Formula & Definition

Interest Coverage Ratio FAQ

SYF Interest Coverage Ratio History

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