--- title: "Synchrony Financial: Risk Monitoring" description: "Synchrony Financial financial risk indicators from its SEC filings (leverage, liquidity, interest coverage, debt load) compared with peers, with filings linked." canonical: https://www.getswoopr.com/stocks/companies/synchrony-financial/risks/ source: "Swoopr Investment: https://www.getswoopr.com" --- # Synchrony Financial: Risk & Monitoring Guide ## Direct Answer Synchrony Financial's fiscal 2025 filings show liabilities equal 86% of assets. These figures measure financial risk only; the business risks Synchrony Financial itself considers material are listed under Item 1A, Risk Factors, of its Form 10-K, most recently filed February 6, 2026. ## What Do Synchrony Financial's Financial Risk Indicators Show? | Indicator (fiscal 2025) | Synchrony Financial | Peer median (same SIC code) | What it measures | | --- | --- | --- | --- | | Liabilities to assets | 86% | 47% | How much of the balance sheet is funded by obligations rather than equity. | | Current ratio | n/a | 2.0x | Short-term assets per dollar of obligations due within a year. | | Interest coverage | n/a | -17.2x | Operating income per dollar of interest expense. | | Long-term debt to operating cash flow | 1.5x | 2.4x | Years of operating cash flow it would take to repay long-term debt. | | Net debt | $209 million | n/a | Long-term debt minus cash; negative means more cash than long-term debt. | The peer median uses 64 other companies in Swoopr's S&P 500 Equal Weight set that share the same SEC SIC code. A reading worse than the peer median is a prompt to read the filing, not a conclusion. ![Bar chart of Synchrony Financial balance sheet at the end of fiscal 2025: total assets $119 billion, total liabilities $102 billion, shareholders' equity $16.8 billion, long-term debt $15.2 billion, cash and equivalents $15.0 billion.](https://www.getswoopr.com/images/charts/synchrony-financial-risks-balance-sheet.webp) *Synchrony Financial balance sheet items at the end of fiscal 2025, from the figures in the table above. Long-term debt is highlighted. Select the chart to open it full size.* ## Where Are Synchrony Financial's Official Risk Factors? The risks Synchrony Financial considers material are disclosed in Item 1A of its Form 10-K, most recently [filed February 6, 2026](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm). Read them with three questions in mind: which risks are specific to this company rather than generic, which have changed since the prior year's filing, and which connect to the figures above (a refinancing risk matters more when interest coverage is thin). ## Where These Numbers Come From Every figure on this page is a value Synchrony Financial reported in its Form 10-K filed February 6, 2026 (accession 0001601712-26-000006), read from the SEC's Financial Statement Data Sets. Ratios are computed from those reported values. The filing itself always takes precedence over this summary, and a later amendment can change a figure. Synchrony Financial is a bank, so revenue here is net interest income plus noninterest income, the way banks present total revenue; banks do not report revenue under the tag an industrial company uses. This page is educational and describes reported history only; it is not a forecast or a recommendation. ## Frequently Asked Questions ### Is Synchrony Financial highly leveraged? At the end of fiscal 2025, Synchrony Financial's total liabilities were 86% of total assets, against a peer median of 47%. Leverage that is normal for one industry (banks, utilities) can be high for another. ### Where are Synchrony Financial's official risk factors? In Item 1A, Risk Factors, of its annual report on Form 10-K, most recently filed with the SEC on February 6, 2026. The company lists the risks it considers material there; the measures on this page only quantify the financial side. ### Can Synchrony Financial pay its interest? Synchrony Financial did not report interest expense under the standard tags for fiscal 2025, so interest coverage is not computed here; its income statement and debt footnote show the details. ## References - [SEC EDGAR: Synchrony Financial Form 10-K filed February 6, 2026](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm) - [SEC EDGAR: Synchrony Financial annual and quarterly filings](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1601712&type=10-K) - [SEC: EDGAR application programming interfaces (XBRL frames and submissions data)](https://www.sec.gov/search-filings/edgar-application-programming-interfaces) - [SEC: Financial Statement Data Sets](https://www.sec.gov/data-research/sec-markets-data/financial-statement-data-sets) ## Related Pages - [Synchrony Financial company dossier](https://www.getswoopr.com/stocks/companies/synchrony-financial/) - [Synchrony Financial financial metrics](https://www.getswoopr.com/stocks/companies/synchrony-financial/metrics/) - [Synchrony Financial financial risk indicators](https://www.getswoopr.com/stocks/companies/synchrony-financial/risks/) - [Synchrony Financial peer comparison](https://www.getswoopr.com/stocks/companies/synchrony-financial/competitors/) - [Synchrony Financial business model and revenue mix](https://www.getswoopr.com/stocks/companies/synchrony-financial/business-model/) - [Fundamental analysis guides](https://www.getswoopr.com/learn/fundamental-analysis/) **[Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/)** Swoopr's editorial team produces independent investment education content reviewed for accuracy and clarity. 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