Synchrony Financial (SYF) Quick Ratio (Acid-Test): 0.21
Is Synchrony Financial’s quick ratio (acid-test) high or low?
Synchrony Financial's quick ratio (acid-test) of 0.21 is in line with its 5-year average of 0.22, near the low end of its 5-year range (0.20–0.28).
As of Thursday, June 11, 2026. 2.33% below its 12-month average of 0.21.
SYF Quick Ratio (Acid-Test) Chart
SYF Average Quick Ratio (Acid-Test) Chart
SYF Current vs Average Quick Ratio (Acid-Test) Chart
SYF Quick Ratio (Acid-Test) Metrics
QUICK RATIO (ACID-TEST)
0.21
QUICK RATIO (ACID-TEST) AVG TTM
0.21
QUICK RATIO (ACID-TEST) AVG 3Y
0.21
QUICK RATIO (ACID-TEST) AVG 5Y
0.22
QUICK RATIO (ACID-TEST) AVG 10Y
0.24
QUICK RATIO (ACID-TEST) AVG 15Y
0.23
QUICK RATIO (ACID-TEST) AVG 20Y
0.23
CURRENT VS TTM AVG
-2.33%
CURRENT VS 3Y AVG
-1.18%
CURRENT VS 5Y AVG
-5.26%
CURRENT VS 10Y AVG
-13.48%
CURRENT VS 15Y AVG
-7.84%
CURRENT VS 20Y AVG
-7.84%
SYF Competitors' Quick Ratio (Acid-Test)
| NAME | MARKET CAP | QUICK RATIO (ACID-TEST) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Synchrony Financial (SYF) | $23.21B | 0.21 | 0.21 | 0.21 | 0.22 |
| Loews Corporation (L) | $22.09B | 0.48 | 0.48 | 3.87 | 67.30 |
| Willis Towers Watson Public Limited Company (WTW) | $24.63B | 1.20 | 1.20 | 1.13 | 1.14 |
| SoFi Technologies, Inc. (SOFI) | $20.43B | 0.00 | 0.20 | 0.42 | 0.63 |
| Cincinnati Financial Corporation (CINF) | $26.03B | 1.29 | 1.30 | 1.28 | 1.30 |
| Brown & Brown, Inc. (BRO) | $20.32B | 1.04 | 1.07 | 1.07 | 1.13 |
| Global Payments Inc. (GPN) | $14.57B | 1.69 | 1.33 | 1.14 | 1.11 |
| Sunbelt Rentals Holdings Inc (SUNB) | $33.66B | 1.20 | 1.12 | 1.03 | 1.03 |
| The Hartford Financial Services Group, Inc. (HIG) | $35.20B | 17.65 | 17.17 | 14.87 | 14.87 |
| PayPal Holdings, Inc. (PYPL) | $35.77B | 1.29 | 1.27 | 1.28 | 1.28 |
Liquidity Comparison
Quick Ratio
0.21
Excludes inventory
Current Ratio
0.21
Includes inventory
Synchrony Financial Quick Ratio (Acid-Test) Formula & Definition
Quick Ratio = (Current Assets − Inventory) / Current Liabilities
The quick ratio is a stricter liquidity measure that excludes inventory, showing the ability to meet short-term obligations with the most liquid assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Synchrony Financial 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 0.21.
- Is Synchrony Financial's quick ratio (acid-test) high or low?
- Synchrony Financial's quick ratio (acid-test) of 0.21 is in line with its 5-year average of 0.22, near the low end of its 5-year range (0.20–0.28).
- What is the TTM average quick ratio (acid-test) for Synchrony Financial (SYF)?
- The TTM average quick ratio (acid-test) for SYF stock is 0.21.
- What is the 3Y average quick ratio (acid-test) for Synchrony Financial (SYF)?
- The 3Y average quick ratio (acid-test) for SYF stock is 0.21.
- What is the 5Y average quick ratio (acid-test) for Synchrony Financial (SYF)?
- The 5Y average quick ratio (acid-test) for SYF stock is 0.22.
- What is the 10Y average quick ratio (acid-test) for Synchrony Financial (SYF)?
- The 10Y average quick ratio (acid-test) for SYF stock is 0.24.
- What is the 15Y average quick ratio (acid-test) for Synchrony Financial (SYF)?
- The 15Y average quick ratio (acid-test) for SYF stock is 0.23.
- What is the 20Y average quick ratio (acid-test) for Synchrony Financial (SYF)?
- The 20Y average quick ratio (acid-test) for SYF stock is 0.23.
Synchrony Financial Quick Ratio (Acid-Test) History
| DATE | QUICK RATIO (ACID-TEST) |
|---|---|
| 2025-12-31 | 0.21 |
| 2024-12-31 | 0.22 |
| 2023-12-31 | 0.22 |
| 2022-12-31 | 0.20 |
| 2021-12-31 | 0.20 |
| 2020-12-31 | 0.28 |
| 2019-12-31 | 0.26 |
| 2018-12-31 | 0.23 |
| 2017-12-31 | 0.26 |
| 2016-12-31 | 0.26 |
| 2015-12-31 | 0.33 |
| 2014-12-31 | 0.36 |
| 2013-12-31 | 0.09 |
| 2012-12-31 | 0.07 |
Related Metrics
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.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Brian D. Doubles