MarketCap
Facebook
X
TelegramAnnual report 2025
added 02-06-2026
Synchrony Financial Long-Term Debt 2011-2026 | SYF
Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.
Main characteristics:- Term exceeds 12 months
- Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
- Repaid through regular payments (interest and/or principal) over several years
- Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital. - Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks. - Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.
A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.
If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.
It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.
Examples of long-term debt:- Mortgage loans for property purchases
- Corporate bonds issued by a company to raise capital
- Project financing — long-term loans for building or expanding production facilities
- Leasing obligations for equipment or transport
Annual Long-Term Debt Synchrony Financial
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 15.2 B | 15.5 B | 16 B | 14.2 B | 14.5 B | 15.8 B | 19.9 B | 24 B | 20.8 B | 20.1 B | 24.3 B | 27.5 B | 24.3 B | 27.8 B | - |
All numbers in USD currency
Indicator range from annual reports
| Maximum | Minimum | Average |
|---|---|---|
| 27.8 B | 14.2 B | 20 B |
Quarterly Long-Term Debt Synchrony Financial
| 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 14.4 B | 16 B | 17 B | 15.5 B | 15.6 B | 15.6 B | 16.1 B | 16 B | 15.2 B | 14.2 B | 14.9 B | 14.2 B | 14.3 B | 12.2 B | 13.4 B | 14.5 B | 12.8 B | 13.5 B | 14.5 B | 15.8 B | 15.8 B | 15.8 B | 15.8 B | 19.9 B | 19.9 B | 19.9 B | 19.9 B | 24 B | 24 B | 24 B | 24 B | 20.8 B | 20.8 B | 20.8 B | 20.8 B | 20.1 B | 20.1 B | 20.1 B | 20.1 B | 24.3 B | 24.3 B | 4.13 B | 4.13 B | 8.24 B | 8.24 B | 8.24 B | 8.24 B | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Indicator range from quarterly reporting
| Maximum | Minimum | Average |
|---|---|---|
| 24.3 B | 4.13 B | 16.4 B |
Long-Term Debt of other stocks in the Payment services industry
| Issuer | Long-Term Debt | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|---|
 |
Qiwi plc
QIWI
|
4.92 B | - | - | - |  Cyprus |
 |
Pintec Technology Holdings Limited
PT
|
400 M | - | - | $ 671 M |  China |
 |
Barings BDC, Inc.
BBDC
|
570 M | $ 8.27 | -0.3 % | $ 397 M |  USA |
 |
Federal Agricultural Mortgage Corporation
AGM
|
19.5 B | $ 162.95 | 0.05 % | $ 1.78 B | USA |
 |
CURO Group Holdings Corp.
CURO
|
1.95 B | - | -6.4 % | $ 7.82 M | USA |
 |
Discover Financial Services
DFS
|
16.3 B | - | -0.21 % | $ 50.2 B | USA |
 |
Senmiao Technology Limited
AIHS
|
127 K | $ 1.49 | 7.19 % | $ 15.7 M | China |
 |
Elevate Credit
ELVT
|
505 M | - | - | $ 58.8 M | USA |
 |
Capital One Financial Corporation
COF
|
49.9 B | $ 187.05 | -3.71 % | $ 101 B | USA |
 |
American Express Company
AXP
|
56.4 B | $ 300.52 | -2.18 % | $ 209 B | USA |
 |
Alliance Data Systems Corporation
ADS
|
6.56 B | - | -1.74 % | $ 2.84 B | USA |
 |
Xiaobai Maimai Inc.
HX
|
20 M | - | -10.24 % | $ 37.1 M | China |
 |
Goldman Sachs BDC, Inc.
GSBD
|
770 M | $ 9.34 | 0.16 % | $ 377 M | USA |
 |
Dragon Victory International Limited
LYL
|
66.9 K | - | -2.89 % | $ 13.5 M | China |
 |
FlexShopper
FPAY
|
1.32 M | - | 2.7 % | $ 4.12 M | USA |
 |
Marlin Business Services Corp.
MRLN
|
30.7 M | - | -0.17 % | $ 276 M | USA |
 |
Santander Consumer USA Holdings Inc.
SC
|
41.1 B | - | 1.44 % | $ 13 B | USA |
 |
Ally Financial
ALLY
|
14.4 B | $ 38.08 | -4.59 % | $ 11.8 B | USA |
 |
EZCORP
EZPW
|
518 M | $ 25.33 | 0.72 % | $ 1.46 B | USA |
 |
LexinFintech Holdings Ltd.
LX
|
2.75 B | $ 2.68 | -0.56 % | $ 888 M | China |
 |
Credit Acceptance Corporation
CACC
|
4.54 B | $ 495.91 | -3.01 % | $ 5.68 B | USA |
 |
Atlanticus Holdings Corporation
ATLC
|
777 M | $ 55.58 | -5.1 % | $ 806 M | USA |
 |
Lufax Holding Ltd
LU
|
27.9 B | $ 2.42 | -1.22 % | $ 1.55 T | China |
 |
ORIX Corporation
IX
|
4.42 T | $ 31.27 | 0.11 % | $ 38.7 B |  Japan |
 |
Navient Corporation
NAVI
|
43.2 B | $ 8.29 | -3.15 % | $ 904 M | USA |
 |
FirstCash
FCFS
|
2.21 B | $ 190.22 | 1.7 % | $ 8.43 B | USA |
 |
MoneyGram International
MGI
|
785 M | - | - | $ 1.07 B | USA |
 |
Oaktree Specialty Lending Corporation
OCSL
|
466 M | $ 11.47 | 0.04 % | $ 1.62 B | USA |
 |
Nelnet
NNI
|
7.78 B | $ 130.41 | -1.02 % | $ 4.74 B | USA |
 |
Consumer Portfolio Services
CPSS
|
2.15 B | $ 8.01 | -0.99 % | $ 167 M | USA |
 |
Medallion Financial Corp.
MFIN
|
236 M | $ 9.79 | -1.76 % | $ 220 M | USA |
 |
Enova International
ENVA
|
4.5 B | $ 137.68 | -3.08 % | $ 3.47 B | USA |
 |
OneMain Holdings
OMF
|
22.7 B | $ 53.44 | -2.87 % | $ 6.34 B | USA |
 |
SLM Corporation
SLM
|
5.36 B | $ 19.2 | -3.49 % | $ 3.98 B | USA |
 |
Green Dot Corporation
GDOT
|
2.69 M | $ 11.56 | -0.64 % | $ 604 M | USA |
 |
Oportun Financial Corporation
OPRT
|
1.17 B | $ 5.13 | -2.75 % | $ 189 M | USA |
 |
Security National Financial Corporation
SNFCA
|
216 M | $ 9.03 | -1.42 % | $ 211 M | USA |
 |
Regional Management Corp.
RM
|
1.64 B | $ 32.0 | -6.27 % | $ 302 M | USA |
 |
PRA Group
PRAA
|
1.08 B | $ 17.92 | -5.01 % | $ 702 M | USA |
 |
LendingClub Corporation
LC
|
19.4 M | $ 14.7 | -2.91 % | $ 1.68 B | USA |
 |
Mastercard Inc.
MA
|
18.3 B | $ 519.3 | -1.01 % | $ 470 B | USA |
 |
Qudian
QD
|
924 M | - | - | $ 634 M | China |
 |
Visa
V
|
20.2 B | $ 315.75 | -1.22 % | $ 603 B | USA |
 |
PayPal Holdings
PYPL
|
9.99 B | $ 46.93 | -1.51 % | $ 45 B | USA |
 |
Nicholas Financial
NICK
|
759 K | - | -0.16 % | $ 45.1 M | USA |