Synchrony Financial (SYF) Quick Ratio: History & Chart

Synchrony Financial(SYF)

Financial - Credit Services · Stamford, CT

$75.44+0.00 (+0.00%)

Delayed quote: Sep 10, 2026, 4:00 PM EDT

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 Quick Ratio (Acid-Test) Metrics

QUICK RATIO (ACID-TEST)

3.72

QUICK RATIO (ACID-TEST) AVG TTM

1.15

QUICK RATIO (ACID-TEST) AVG 3Y

0.24

QUICK RATIO (ACID-TEST) AVG 5Y

0.24

QUICK RATIO (ACID-TEST) AVG 10Y

0.26

QUICK RATIO (ACID-TEST) AVG 15Y

N/A

QUICK RATIO (ACID-TEST) AVG 20Y

N/A

CURRENT VS TTM AVG

+222.31%

CURRENT VS 3Y AVG

+1437.75%

CURRENT VS 5Y AVG

+1479.65%

CURRENT VS 10Y AVG

+1312.67%

CURRENT VS 15Y AVG

N/A

CURRENT VS 20Y AVG

N/A

SECTOR MEDIAN · FINANCIAL SERVICES

1.12

median of 102 covered companies

CURRENT VS SECTOR MEDIAN

+232.37%

vs the sector median at left

NAME	MARKET CAP	QUICK RATIO (ACID-TEST)	TTM	3Y	5Y
Synchrony Financial (SYF)	$24.55B	3.72	1.15	0.24	0.24
Principal Financial Group, Inc. (PFG)vs ›	$24.61B	0.30	4.22	4.60	172.74
Circle Internet Group (CRCL)vs ›	$24.14B	1.03	1.03	1.03	1.02
Regions Financial Corporation (RF)vs ›	$25.56B	0.33	0.29	0.29	0.32
KeyCorp (KEY)vs ›	$23.45B	0.35	0.47	0.40	0.39
Cincinnati Financial Corporation (CINF)vs ›	$26.03B	1.90	1.30	1.28	1.30
T. Rowe Price Group, Inc. (TROW)vs ›	$23.04B	2.18	40.55	23.13	18.11
W. R. Berkley Corporation (WRB)vs ›	$26.08B	1.37	1.38	1.36	1.37
Loews Corporation (L)vs ›	$22.45B	0.59	0.48	3.87	67.30
Brown & Brown, Inc. (BRO)vs ›	$22.19B	1.05	1.07	1.07	1.13

NAME

MARKET CAP

QUICK RATIO (ACID-TEST)

TTM

Synchrony Financial (SYF)

$24.55B

3.72

1.15

0.24

Principal Financial Group, Inc. (PFG)vs ›

$24.61B

0.30

4.22

4.60

172.74

Circle Internet Group (CRCL)vs ›

$24.14B

1.03

1.02

Regions Financial Corporation (RF)vs ›

$25.56B

0.33

0.29

0.32

KeyCorp (KEY)vs ›

$23.45B

0.35

0.47

0.40

0.39

Cincinnati Financial Corporation (CINF)vs ›

$26.03B

1.90

1.30

1.28

1.30

T. Rowe Price Group, Inc. (TROW)vs ›

$23.04B

2.18

40.55

23.13

18.11

W. R. Berkley Corporation (WRB)vs ›

$26.08B

1.37

1.38

1.36

1.37

Loews Corporation (L)vs ›

$22.45B

0.59

0.48

3.87

67.30

Brown & Brown, Inc. (BRO)vs ›

$22.19B

1.05

1.07

1.13

Quick Ratio (Acid-Test) FAQ

What is the quick ratio (acid-test) for Synchrony Financial (SYF)?

The quick ratio (acid-test) for SYF stock is 3.72.

Is Synchrony Financial's quick ratio (acid-test) high or low?

The quick ratio (acid-test) of 3.72 is 1480% above its 5-year average of 0.24, near the high end of its 5-year range (0.20–3.72).

What is the TTM average quick ratio (acid-test) for Synchrony Financial (SYF)?

The TTM average quick ratio (acid-test) for SYF stock is 1.15.

What is the 3Y average quick ratio (acid-test) for Synchrony Financial (SYF)?

The 3Y average quick ratio (acid-test) for SYF stock is 0.24.

What is the 5Y average quick ratio (acid-test) for Synchrony Financial (SYF)?

The 5Y average quick ratio (acid-test) for SYF stock is 0.24.

What is the 10Y average quick ratio (acid-test) for Synchrony Financial (SYF)?

The 10Y average quick ratio (acid-test) for SYF stock is 0.26.

DATE	QUICK RATIO (ACID-TEST)
2026-06-30	3.72
2026-03-31	1.33
2025-12-31	0.21
2025-09-30	0.24
2025-06-30	0.27
2025-03-31	0.29
2024-12-31	0.22
2024-09-30	0.25
2024-06-30	0.26
2024-03-31	0.28
2023-12-31	0.22
2023-09-30	0.22
2023-06-30	0.21
2023-03-31	0.24
2022-12-31	0.20
2022-09-30	0.23
2022-06-30	0.23
2022-03-31	0.22
2021-12-31	0.20
2021-09-30	0.23
2021-06-30	0.26
2021-03-31	0.34
2020-12-31	0.28
2020-09-30	0.32
2020-06-30	0.33
2020-03-31	0.29
2019-12-31	0.26
2019-09-30	0.23
2019-06-30	0.25
2019-03-31	0.27
2018-12-31	0.23
2018-09-30	0.29
2018-06-30	0.36
2018-03-31	0.32
2017-12-31	0.26
2017-09-30	0.30
2017-06-30	0.29
2017-03-31	0.31
2016-12-31	0.26
2016-09-30	0.32
2016-06-30	0.29
2016-03-31	0.32
2015-12-31	0.33
2015-09-30	0.37
2015-06-30	0.35
2015-03-31	0.38
2014-12-31	0.36
2014-09-30	0.42
2014-06-30	0.21
2014-03-31	0.18
2013-12-31	0.09
2013-09-30	0.00
2013-06-30	0.00
2013-03-31	0.00

DATE

QUICK RATIO (ACID-TEST)

2026-06-30

3.72

2026-03-31

1.33

2025-12-31

0.21

2025-09-30

0.24

2025-06-30

0.27

2025-03-31

0.29

2024-12-31

0.22

2024-09-30

0.25

2024-06-30

0.26

2024-03-31

0.28

2023-12-31

0.22

2023-09-30

0.22

2023-06-30

0.21

2023-03-31

0.24

2022-12-31

0.20

2022-09-30

0.23

2022-06-30

0.23

2022-03-31

0.22

2021-12-31

0.20

2021-09-30

0.23

2021-06-30

0.26

2021-03-31

0.34

2020-12-31

0.28

2020-09-30

0.32

2020-06-30

0.33

2020-03-31

0.29

2019-12-31

0.26

2019-09-30

0.23

2019-06-30

0.25

2019-03-31

0.27

2018-12-31

0.23

2018-09-30

0.29

2018-06-30

0.36

2018-03-31

0.32

2017-12-31

0.26

2017-09-30

0.30

2017-06-30

0.29

2017-03-31

0.31

2016-12-31

0.26

2016-09-30

0.32

2016-06-30

0.29

2016-03-31

0.32

2015-12-31

0.33

2015-09-30

0.37

2015-06-30

0.35

2015-03-31

0.38

2014-12-31

0.36

2014-09-30

0.42

2014-06-30

0.21

2014-03-31

0.18

2013-12-31

0.09

2013-09-30

0.00

2013-06-30

0.00

2013-03-31

0.00

Quick Ratio (Acid-Test): 3.72

SYF Quick Ratio

SYF Average Quick Ratio (Acid-Test) Chart

SYF Current vs Average Quick Ratio (Acid-Test) Chart

SYF Quick Ratio (Acid-Test) Metrics

SYF Competitors' Quick Ratio (Acid-Test)

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Quick Ratio (Acid-Test) Formula & Definition

Quick Ratio (Acid-Test) FAQ

SYF Quick Ratio (Acid-Test) History

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