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TelegramAnnual report 2025
added 02-06-2026
Synchrony Financial Net Debt 2011-2026 | SYF
Net Debt can be roughly defined as financial liabilities that an entity classifies in the financing section together with the resources available to service those financial liabilities[1]
Net debt is the obligations that remain after deducting all assets and other liabilities from a company or individual. It represents the sum of debts that an organization or person must repay to their creditors or other parties.
Net debt can include various types of obligations such as loans, borrowings, lease liabilities, or credit card payments. It is important to note that net debt does not include current expenses or obligations such as payroll expenses or current bills.
Assessing net debt is an important financial indicator for evaluating the financial position of a company or individual. If net debt significantly exceeds assets, it may indicate financial difficulties and insolvency. In such cases, the company or individual may face difficulties in meeting their obligations and managing their finances.
Net debt can also be used to compare the financial stability of different companies. The lower the net debt relative to assets, the more stable and financially sound they are considered.
Overall, understanding net debt helps evaluate the financial soundness and ability of a company to meet their obligations. It is an important indicator that assists in making decisions about lending, investments, and financial management.
Annual Net Debt Synchrony Financial
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 209 M | 751 M | 1.72 B | 3.9 B | 6.17 B | 4.25 B | 19.5 B | 14.6 B | 9.2 B | 10.8 B | 12 B | 15.6 B | 22 B | 26.5 B | - |
All numbers in USD currency
Indicator range from annual reports
| Maximum | Minimum | Average |
|---|---|---|
| 26.5 B | 209 M | 10.5 B |
References
- Pizzo, M., Moscariello, N., & Vinciguerra, R. (2015). Market Incentives and Regulators' Activity Shaping Financial Information: An Analysis of the Net Debt Disclosure in Italy. International Journal of Business and Management, 10(1), 1.
Net Debt of other stocks in the Payment services industry
| Issuer | Net Debt | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|---|
 |
Qiwi plc
QIWI
|
-42.1 B | - | - | - |  Cyprus |
 |
Jianpu Technology
JT
|
-1.14 B | - | 7.78 % | $ 331 M | - |
 |
Pintec Technology Holdings Limited
PT
|
22.8 M | - | - | $ 671 M |  China |
 |
Barings BDC, Inc.
BBDC
|
885 M | $ 8.27 | -0.3 % | $ 397 M |  USA |
 |
Federal Agricultural Mortgage Corporation
AGM
|
29.9 B | $ 162.95 | 0.05 % | $ 1.78 B | USA |
 |
CURO Group Holdings Corp.
CURO
|
1.88 B | - | -6.4 % | $ 7.82 M | USA |
 |
Discover Financial Services
DFS
|
7.78 B | - | -0.21 % | $ 50.2 B | USA |
 |
Senmiao Technology Limited
AIHS
|
-652 K | $ 1.49 | 7.19 % | $ 15.7 M | China |
 |
Dunxin Financial Holdings Limited
DXF
|
197 M | $ 1.16 | 25.88 % | $ 722 M | China |
 |
Elevate Credit
ELVT
|
420 M | - | - | $ 58.8 M | USA |
 |
FinVolution Group
FINV
|
-1.59 B | $ 5.18 | -0.86 % | $ 6.67 B | USA |
 |
Capital One Financial Corporation
COF
|
-12.2 B | $ 187.05 | -3.71 % | $ 101 B | USA |
 |
American Express Company
AXP
|
8.6 B | $ 300.52 | -2.18 % | $ 209 B | USA |
 |
Alliance Data Systems Corporation
ADS
|
5.43 B | - | -1.74 % | $ 2.84 B | USA |
 |
Xiaobai Maimai Inc.
HX
|
9.07 M | - | -10.24 % | $ 37.1 M | China |
 |
Goldman Sachs BDC, Inc.
GSBD
|
1.59 B | $ 9.34 | 0.16 % | $ 377 M | USA |
 |
Dragon Victory International Limited
LYL
|
28.3 K | - | -2.89 % | $ 13.5 M | China |
 |
FlexShopper
FPAY
|
-2.85 M | - | 2.7 % | $ 4.12 M | USA |
 |
Marlin Business Services Corp.
MRLN
|
-102 M | - | -0.17 % | $ 276 M | USA |
 |
Owl Rock Capital Corporation
ORCC
|
4.93 B | - | -0.15 % | $ 5.25 B | USA |
 |
Santander Consumer USA Holdings Inc.
SC
|
82.2 B | - | 1.44 % | $ 13 B | USA |
 |
Ally Financial
ALLY
|
7.04 B | $ 38.08 | -4.59 % | $ 11.8 B | USA |
 |
EZCORP
EZPW
|
110 M | $ 25.33 | 0.72 % | $ 1.46 B | USA |
 |
LexinFintech Holdings Ltd.
LX
|
1.23 B | $ 2.68 | -0.56 % | $ 888 M | China |
 |
Credit Acceptance Corporation
CACC
|
4.41 B | $ 495.91 | -3.01 % | $ 5.68 B | USA |
 |
Atlanticus Holdings Corporation
ATLC
|
705 M | $ 55.58 | -5.1 % | $ 806 M | USA |
 |
Lufax Holding Ltd
LU
|
4.14 B | $ 2.42 | -1.22 % | $ 1.55 T | China |
 |
ORIX Corporation
IX
|
3.47 T | $ 31.27 | 0.11 % | $ 38.7 B |  Japan |
 |
Navient Corporation
NAVI
|
42.5 B | $ 8.29 | -3.15 % | $ 904 M | USA |
 |
FirstCash
FCFS
|
2.19 B | $ 190.22 | 1.7 % | $ 8.43 B | USA |
 |
MoneyGram International
MGI
|
-886 M | - | - | $ 1.07 B | USA |
 |
Oaktree Specialty Lending Corporation
OCSL
|
670 M | $ 11.47 | 0.04 % | $ 1.62 B | USA |
 |
Nelnet
NNI
|
7.48 B | $ 130.41 | -1.02 % | $ 4.74 B | USA |
 |
Consumer Portfolio Services
CPSS
|
2.28 B | $ 8.01 | -0.99 % | $ 167 M | USA |
 |
Medallion Financial Corp.
MFIN
|
185 M | $ 9.79 | -1.76 % | $ 220 M | USA |
 |
Enova International
ENVA
|
4.43 B | $ 137.68 | -3.08 % | $ 3.47 B | USA |
 |
360 DigiTech
QFIN
|
-469 M | $ 14.69 | -0.27 % | $ 4.38 B | China |
 |
OneMain Holdings
OMF
|
21.8 B | $ 53.44 | -2.87 % | $ 6.34 B | USA |
 |
SLM Corporation
SLM
|
1.12 B | $ 19.2 | -3.49 % | $ 3.98 B | USA |
 |
Green Dot Corporation
GDOT
|
-676 M | $ 11.56 | -0.64 % | $ 604 M | USA |
|
Oportun Financial Corporation
OPRT
|
1.28 B | $ 5.13 | -2.75 % | $ 189 M | USA |
 |
Security National Financial Corporation
SNFCA
|
-106 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
|
2.55 B | $ 17.92 | -5.01 % | $ 702 M | USA |
 |
LendingClub Corporation
LC
|
1.47 B | $ 14.7 | -2.91 % | $ 1.68 B | USA |
 |
Mastercard Inc.
MA
|
7.84 B | $ 519.3 | -1.01 % | $ 470 B | USA |
 |
Qudian
QD
|
-509 M | - | - | $ 634 M | China |
 |
Visa
V
|
4.61 B | $ 315.75 | -1.22 % | $ 603 B | USA |
 |
PayPal Holdings
PYPL
|
2.09 B | $ 46.93 | -1.51 % | $ 45 B | USA |
 |
Nicholas Financial
NICK
|
-23.5 M | - | -0.16 % | $ 45.1 M | USA |