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Synchrony Financial SYF Net debt / EBITDA

Net debt / EBITDA at other companies

American Express logo
American ExpressAXP
0.3×+0.3×
JPMorgan Chase logo
JPMorgan ChaseJPM
1.2×+0.9×
Capital One Financial logo
Capital One FinancialCOF
-1×-1.6×
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
9.4×-788×
Mastercard logo
MastercardMA
0.5×-0.1×
PayPal Holdings, Inc. logo
PayPal Holdings, Inc.PYPL
-1.8×-2.6×

Other financials

Income statement

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Net income$805.0M+6.3%
EPS (diluted)$2.27+20.1%

Balance sheet

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Cash & equivalents$20.6B-5.0%
Total debt$16.4B-3.4%
Total equity$16.5B-0.6%
Total assets$121.50B-0.4%

Cash flow

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Operating cash flow$2.2B-0.8%

Valuation

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Market cap$24.93B+14.9%
Enterprise value$20.8B+22.3%
P/E6.9×-0.4×

Returns & leverage

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Return on equity21.8%+3.2pp
Debt / equity1×0.0×

Questions, answered.

What does net debt / EBITDA mean?
How many years of operating earnings it would take to pay off the company's net debt.
How do you interpret net debt / EBITDA?
Lower is safer; lenders often covenant around 3–4×. A negative value means net cash (more cash than debt), a position of strength. Spikes can reflect a temporary EBITDA dip rather than new borrowing.
How does net debt / EBITDA compare across companies?
A standard leverage yardstick across non-financial sectors; covenant thresholds vary by industry cash-flow stability.