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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 |
 |
American Express Company
AXP
|
8.6 B | $ 299.39 | -0.28 % | $ 208 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 |
 |
Credit Acceptance Corporation
CACC
|
4.41 B | $ 442.85 | -0.24 % | $ 5.07 B | USA |
 |
Enova International
ENVA
|
4.43 B | $ 134.0 | -1.95 % | $ 3.37 B | USA |
 |
FlexShopper
FPAY
|
-2.85 M | - | 2.7 % | $ 4.12 M | USA |
 |
Ally Financial
ALLY
|
7.04 B | $ 39.14 | -0.23 % | $ 12.1 B | USA |
 |
Alliance Data Systems Corporation
ADS
|
5.43 B | - | -1.74 % | $ 2.84 B | USA |
 |
Capital One Financial Corporation
COF
|
-12.2 B | $ 182.12 | -1.64 % | $ 98.5 B | USA |
 |
Xiaobai Maimai Inc.
HX
|
9.07 M | - | -10.24 % | $ 37.1 M | China |
 |
Dragon Victory International Limited
LYL
|
28.3 K | - | -2.89 % | $ 13.5 M | China |
 |
Marlin Business Services Corp.
MRLN
|
-102 M | - | -0.17 % | $ 276 M | USA |
 |
Nicholas Financial
NICK
|
-23.5 M | - | -0.16 % | $ 45.1 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 |
 |
OneMain Holdings
OMF
|
21.8 B | $ 53.05 | -0.06 % | $ 6.3 B | USA |
 |
Goldman Sachs BDC, Inc.
GSBD
|
1.59 B | $ 9.1 | -1.41 % | $ 368 M | USA |
 |
Barings BDC, Inc.
BBDC
|
885 M | $ 8.14 | -1.51 % | $ 390 M | USA |
 |
PRA Group
PRAA
|
2.55 B | $ 17.61 | -1.23 % | $ 690 M | USA |
 |
PayPal Holdings
PYPL
|
2.09 B | $ 45.2 | 0.78 % | $ 43.3 B | USA |
 |
Senmiao Technology Limited
AIHS
|
-652 K | $ 1.65 | -5.71 % | $ 17.4 M | China |
 |
Medallion Financial Corp.
MFIN
|
81.9 M | $ 8.43 | -0.71 % | $ 192 M | USA |
 |
Atlanticus Holdings Corporation
ATLC
|
705 M | $ 53.14 | -1.83 % | $ 803 M | USA |
 |
Regional Management Corp.
RM
|
1.64 B | $ 32.43 | 0.5 % | $ 306 M | USA |
 |
EZCORP
EZPW
|
110 M | $ 25.28 | -1.25 % | $ 1.45 B | USA |
 |
Lufax Holding Ltd
LU
|
4.14 B | $ 1.89 | -1.82 % | $ 1.55 T | China |
 |
SLM Corporation
SLM
|
1.12 B | $ 20.64 | 1.03 % | $ 4.28 B | USA |
 |
Nelnet
NNI
|
7.48 B | $ 128.6 | 0.14 % | $ 4.67 B | USA |
 |
Elevate Credit
ELVT
|
420 M | - | - | $ 58.8 M | USA |
 |
Yiren Digital Ltd.
YRD
|
-1.84 B | $ 1.7 | -6.08 % | $ 287 M | China |
 |
FirstCash
FCFS
|
2.19 B | $ 192.0 | 0.82 % | $ 8.51 B | USA |
 |
LendingClub Corporation
LC
|
1.47 B | $ 14.39 | -1.03 % | $ 1.65 B | USA |
 |
Consumer Portfolio Services
CPSS
|
2.28 B | $ 7.77 | 1.97 % | $ 170 M | USA |
 |
MoneyGram International
MGI
|
-886 M | - | - | $ 1.07 B | USA |
 |
LexinFintech Holdings Ltd.
LX
|
1.23 B | $ 2.13 | -5.75 % | $ 706 M | China |
 |
Green Dot Corporation
GDOT
|
-1.42 B | $ 10.91 | -1.8 % | $ 601 M | USA |
 |
Qudian
QD
|
-509 M | - | - | $ 634 M | China |
 |
Upstart Holdings
UPST
|
67.8 M | $ 25.33 | -2.91 % | $ 2.43 B | USA |
 |
Navient Corporation
NAVI
|
42.5 B | $ 8.23 | 0.73 % | $ 897 M | USA |
 |
Oaktree Specialty Lending Corporation
OCSL
|
670 M | $ 11.14 | -1.68 % | $ 1.57 B | USA |
 |
X Financial
XYF
|
-671 M | $ 3.41 | -26.19 % | $ 985 M | - |
 |
FinVolution Group
FINV
|
-1.59 B | $ 4.62 | -2.53 % | $ 5.95 B | USA |
 |
360 DigiTech
QFIN
|
-469 M | $ 12.86 | -1.98 % | $ 3.83 B | China |
 |
ORIX Corporation
IX
|
3.47 T | $ 29.63 | -2.76 % | $ 36.6 B |  Japan |
 |
World Acceptance Corporation
WRLD
|
438 M | $ 130.67 | 2.47 % | $ 709 M | USA |
 |
The Western Union Company
WU
|
1.65 B | $ 8.97 | -1.43 % | $ 2.93 B | USA |