SYF Debt-to-Equity Ratio 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.

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