Annual Interest Coverage Ratio:
11.10+2.38(+27.29%)Summary
- As of today, SYF annual interest coverage ratio is 11.10, with the most recent change of +2.38 (+27.29%) on December 31, 2024.
 - During the last 3 years, SYF annual interest coverage ratio has fallen by -2.92 (-20.83%).
 - SYF annual interest coverage ratio is now -20.83% below its all-time high of 14.02, reached on December 31, 2021.
 
Performance
SYF Interest Coverage Ratio Chart
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Range
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Quarterly Interest Coverage Ratio:
13.94+1.50(+12.06%)Summary
- As of today, SYF quarterly interest coverage ratio is 13.94, with the most recent change of +1.50 (+12.06%) on September 30, 2025.
 - Over the past year, SYF quarterly interest coverage ratio has increased by +0.32 (+2.35%).
 - SYF quarterly interest coverage ratio is now -23.36% below its all-time high of 18.19, reached on March 31, 2024.
 
Performance
SYF Quarterly Interest Coverage Ratio Chart
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Interest Coverage Ratio Formula
Interest Coverage Ratio =   EBIT 
 Interest Expense
EBIT 
Interest Expense
Interest Expense
SYF Interest Coverage Ratio Trends
| PeriodPeriod | AnnualAnnual | QuarterlyQuarterly | 
|---|---|---|
| 1Y1 Year | +27.3% | +2.4% | 
| 3Y3 Years | -20.8% | -5.9% | 
| 5Y5 Years | +12.1% | +2.0% | 
SYF Interest Coverage Ratio Highs & Lows
| PeriodPeriod | Annual vs HighAnnual vs High | Annual vs LowAnnual vs Low | Quarter. vs HighQuarter. vs High | Quarter. vs LowQuarter. vs Low | |
|---|---|---|---|---|---|
| 3Y | 3-Year | -20.8% | +27.3% | -23.4% | +12.2% | 
| 5Y | 5-Year | -20.8% | +83.2% | -23.4% | +12.2% | 
| All-Time | All-Time | -20.8% | +83.2% | -23.4% | +80.1% | 
SYF Interest Coverage Ratio History
| Date | Annual | Quarterly | 
|---|---|---|
| Sep 2025 | -  | 13.94(+12.1%)  | 
| Jun 2025 | -  | 12.44(-5.3%)  | 
| Mar 2025 | -  | 13.13(-3.5%)  | 
| Dec 2024 | 11.10(+27.3%)  | 13.61(-0.1%)  | 
| Sep 2024 | -  | 13.62(+4.2%)  | 
| Jun 2024 | -  | 13.07(-28.1%)  | 
| Mar 2024 | -  | 18.19(+46.3%)  | 
| Dec 2023 | 8.72(-18.4%)  | 12.43(-5.0%)  | 
| Sep 2023 | -  | 13.09(+4.3%)  | 
| Jun 2023 | -  | 12.55(-1.1%)  | 
| Mar 2023 | -  | 12.69(-2.8%)  | 
| Dec 2022 | 10.69(-23.8%)  | 13.06(-11.8%)  | 
| Sep 2022 | -  | 14.81(-12.8%)  | 
| Jun 2022 | -  | 16.98(-3.2%)  | 
| Mar 2022 | -  | 17.55(+6.6%)  | 
| Dec 2021 | 14.02(+131.4%)  | 16.46(+9.8%)  | 
| Sep 2021 | -  | 14.99(+14.8%)  | 
| Jun 2021 | -  | 13.06(-2.5%)  | 
| Mar 2021 | -  | 13.40(-1.8%)  | 
| Dec 2020 | 6.06(-38.8%)  | 13.64(-0.2%)  | 
| Sep 2020 | -  | 13.67(+2.9%)  | 
| Jun 2020 | -  | 13.28(-3.7%)  | 
| Mar 2020 | -  | 13.79(+8.5%)  | 
| Dec 2019 | 9.90  | 12.71(-10.7%)  | 
| Sep 2019 | -  | 14.23(+5.3%)  | 
| Jun 2019 | -  | 13.51(-0.3%)  | 
| Date | Annual | Quarterly | 
|---|---|---|
| Mar 2019 | -  | 13.55(-1.6%)  | 
| Dec 2018 | 8.06(-7.1%)  | 13.77(-4.8%)  | 
| Sep 2018 | -  | 14.47(+1.6%)  | 
| Jun 2018 | -  | 14.24(-7.8%)  | 
| Mar 2018 | -  | 15.44(-7.5%)  | 
| Dec 2017 | 8.68(-6.2%)  | 16.70(-0.9%)  | 
| Sep 2017 | -  | 16.86(-1.6%)  | 
| Jun 2017 | -  | 17.14(+1.9%)  | 
| Mar 2017 | -  | 16.82(+4.1%)  | 
| Dec 2016 | 9.25(+4.6%)  | 16.15(-1.2%)  | 
| Sep 2016 | -  | 16.35(+5.8%)  | 
| Jun 2016 | -  | 15.45(+9.0%)  | 
| Mar 2016 | -  | 14.17(+5.5%)  | 
| Dec 2015 | 8.84(-7.2%)  | 13.43(-0.3%)  | 
| Sep 2015 | -  | 13.47(-3.2%)  | 
| Jun 2015 | -  | 13.91(+12.4%)  | 
| Mar 2015 | -  | 12.38(+55.9%)  | 
| Dec 2014 | 9.53(-9.7%)  | 7.94(-16.6%)  | 
| Sep 2014 | -  | 9.52(-4.8%)  | 
| Jun 2014 | -  | 10.00(-13.0%)  | 
| Mar 2014 | -  | 11.49(+24.1%)  | 
| Dec 2013 | 10.55(-2.0%)  | 9.26(-31.6%)  | 
| Sep 2013 | -  | 13.53(+11.3%)  | 
| Jun 2013 | -  | 12.16(+57.1%)  | 
| Mar 2013 | -  | 7.74  | 
| Dec 2012 | 10.76(+58.7%)  | -  | 
| Dec 2011 | 6.78  | -  | 
FAQ
- What is Synchrony Financial annual interest coverage ratio?
 - What is the all-time high annual interest coverage ratio for Synchrony Financial?
 - What is Synchrony Financial annual interest coverage ratio year-on-year change?
 - What is Synchrony Financial quarterly interest coverage ratio?
 - What is the all-time high quarterly interest coverage ratio for Synchrony Financial?
 - What is Synchrony Financial quarterly interest coverage ratio year-on-year change?
 
What is Synchrony Financial annual interest coverage ratio?
The current annual interest coverage ratio of SYF is 11.10
What is the all-time high annual interest coverage ratio for Synchrony Financial?
Synchrony Financial all-time high annual interest coverage ratio is 14.02
What is Synchrony Financial annual interest coverage ratio year-on-year change?
Over the past year, SYF annual interest coverage ratio has changed by +2.38 (+27.29%)
What is Synchrony Financial quarterly interest coverage ratio?
The current quarterly interest coverage ratio of SYF is 13.94
What is the all-time high quarterly interest coverage ratio for Synchrony Financial?
Synchrony Financial all-time high quarterly interest coverage ratio is 18.19
What is Synchrony Financial quarterly interest coverage ratio year-on-year change?
Over the past year, SYF quarterly interest coverage ratio has changed by +0.32 (+2.35%)