Companies: 10,795·Total market cap: $144.5T
Synchrony Financial

Synchrony Financial

SYFNYSEFinancial Services● Active
$70.39
$-0.46(-0.64%)
Market Cap$23.7B
P/E Ratio—
52W High$88.77
52W Low$56.975
Cash on HandFinancialsRevenue

Synchrony Financial (SYF) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

SYF · cash on hand · updated Dec 31, 2025

Core cash position

Cash & Short-Term Investments (CCE + ST Investments)
$17.32B▼ -2.6% vs prior year
FY · as of Dec 31, 2025 · Reported in USD
Cash & Cash Equiv. (CCE)
$14.97B
cashAndCashEquivalents
Short-Term Investments
$2.35B
shortTermInvestments
YoY Change vs Prior Year
-2.6%
vs prior fiscal year
Latest Quarter
$20.56B
Q1 2026
Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash & ST Investments$17.32BCash on Hand
Total Debt$15.18BTotal Debt
Net Cash / Net Debt+$2.14BNet Cash Position
Cash vs Debt Ratio
Cash 53%Debt 47%

Synchrony Financial has a net cash position of $2.14B, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$17.32B − $15.18B = +$2.14B

Cash on hand history

YoY Increase
YoY Decrease
Latest Year
SYF annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

DateCash & ST InvestmentsYoY Change
Dec 31, 2025Latest$17.32B-2.6%
Dec 31, 2024$17.79B-1.5%
Dec 31, 2023$18.06B+19.0%
Dec 31, 2022$15.17B+11.4%
Dec 31, 2021$13.62B-28.3%
SYF cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

#CompanyCash & ST Inv.Cash/MCap
#1
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$1.48T176.7%#2
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$373.31B35.3%#3
Visa Inc.
Visa Inc.
V
$21.99B3.6%
#4
Synchrony Financial
Synchrony FinancialYOU
SYF
$17.32B72.8%
#5
Mastercard Incorporated
Mastercard Incorporated
MA
$10.90B2.5%
Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Synchrony Financial (SYF) cash on hand as of December 31, 2025 is $17.32B, comprising $14.97B in cash and cash equivalents (CCE) plus $2.35B in short-term investments — reported as Synchrony Financial cash and short-term investments on the balance sheet (10-K filing). Also referred to as Synchrony Financial cash reserves or cash position.

Synchrony Financial annual cash on hand history shows decreased -2.6% in 2025: decreased -2.6% in 2025. Synchrony Financial cash reserves in 2025 reflect the company's capital allocation strategy.

Synchrony Financial carries total debt of $15.18B against cash of $17.32B, resulting in a net cash position of +$2.14B. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.
Financial statementsFree cash flowNet incomeRevenueMarket capP/E ratioEarningsPrice history

Frequently asked questions

SYF cash on hand · 5 questions

As of December 31, 2025, Synchrony Financial (SYF) has $17.32B in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $14.97B in cash and cash equivalents (CCE) plus $2.35B in short-term investments. Latest quarter (March 31, 2026): $20.56B. Data sourced from the annual 10-K filing via FMP.

SYF cash on handSYF cash reservesSYF cash 2025how much cash does SYF have

▸ Source: FMP /balance-sheet-statement · US GAAP · Synchrony Financial · Synchrony Financial SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025