SYFNEUTRAL

SYF Debt-to-Equity Ratio Analysis

0.97x

Updated 9h ago·SEC filings & market data

Key Takeaway

The debt-to-equity ratio divides a company’s total liabilities by its shareholders’ equity, showing how much debt is used to finance assets relative to owner capital.

Sector Performance

62th percentile

SYF

0.97x

Sector Median

0.74x

Sector Avg

2.51x

Prior Period

1.00x(Jul 2026)

↑ Improving

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Deep Analysis

The debt-to-equity ratio divides a company’s total liabilities by its shareholders’ equity, showing how much debt is used to finance assets relative to owner capital.

At 0.97x, SYF carries $0.97 of debt for every $1.00 of equity. That level sits above the sector median of 0.74x, placing the company in the 62th percentile among peers, meaning it uses more leverage than most. Year-over-year change is not available, but quarter-over-quarter the ratio fell 3.0%, from 1.00x to 0.97x. A declining ratio while still above the median suggests near-term deleveraging, which can reduce default risk, but the absolute level remains elevated compared to the sector. This metric supports the overall NEUTRAL verdict: the improvement is positive yet the higher-than-peer leverage keeps the risk profile in line with a hold stance rather than a buy or sell.

Frequently Asked Questions

What does the Debt-to-Equity Ratio tell investors about SYF?

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.

How is the Debt-to-Equity Ratio calculated?

Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.

Who are SYF's closest peers by Debt-to-Equity Ratio?

The closest peers by Debt-to-Equity Ratio include: TAP (0.76x), PCAR (0.72x), O (0.78x), PRU (0.78x), GLW (0.67x).

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Learn More About Debt-to-Equity Ratio

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Debt/Equity Ratio: How Much Debt Is Too Much?

The debt to equity ratio explained: why context, interest coverage, and sector norms matter far more than the raw number when assessing debt risk.

The Formula

Total Debt / Shareholders' Equity

Why It Matters

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.