SYF (Synchrony Financial) Gross Loan: $102,208 Mil (As of Jun. 2026)

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SYF Synchrony Financial SYF
76 GF Score
Price $81.00
GF Value $75.33
Valuation Fairly Valued
! 4 Warning Signs
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What is Synchrony Financial Gross Loan?

Synchrony Financial SYF +1.15% 76 Gross Loan is $102,208 Mil as of Jun. 2026. GuruFocus rates SYF with a GF Score™ of 76/100 and a GF Value™ of $75.33 (Fairly Valued). The stock has 4 warning signs investors should review.

Synchrony Financial's Gross Loan for the quarter that ended in Jun. 2026 was $102,208 Mil.

Synchrony Financial's quarterly Gross Loan declined from Dec. 2025 ($103,808 Mil) to Mar. 2026 ($100,085 Mil) but then increased from Mar. 2026 ($100,085 Mil) to Jun. 2026 ($102,208 Mil).

Synchrony Financial's annual Gross Loan increased from Dec. 2023 ($102,988 Mil) to Dec. 2024 ($104,721 Mil) but then declined from Dec. 2024 ($104,721 Mil) to Dec. 2025 ($103,808 Mil).

Synchrony Financial Gross Loan Related Terms

Synchrony Financial Gross Loan Historical Data

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The historical data trend for Synchrony Financial's Gross Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Synchrony Financial Gross Loan Chart

Synchrony Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Gross Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 85,101.00 92,470.00 102,988.00 104,721.00 103,808.00

Synchrony Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Gross Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 99,967.00 100,370.00 103,808.00 100,085.00 102,208.00
SYF
76GF Score
Synchrony Financial SYF
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Synchrony Financial Gross Loan Calculation

Gross Loan represents the sum of all loans (commercial, consumer, mortgage, etc.) as well as leases before any provisions for loan losses or unearned discounts.

Frequently Asked Questions Learn more about Gross Loan →
What does a Gross Loan of $102,208 Mil mean?
Synchrony Financial (SYF) has a Gross Loan of $102,208 Mil as of Jun. 2026. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Gross Loan too high?
Synchrony Financial's current Gross Loan is $102,208 Mil. Overall, Synchrony Financial has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Gross Loan compare to AFRM and SOFI?
Synchrony Financial's Gross Loan of $102,208 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Loan for a Credit Services company?
A good Gross Loan depends on the Credit Services industry context. However, Gross Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Loan mean?
A high Gross Loan can signal that a stock is expensive relative to its fundamentals. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Gross Loan is $102,208 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Synchrony Financial stock overvalued right now?
Based on GuruFocus' analysis, Synchrony Financial (SYF) is currently considered Fairly Valued. The stock's GF Value™ is $75.33, compared to a current price of $81.00 — trading 7.5% above its estimated fair value. The current Gross Loan is $102,208 Mil. Synchrony Financial's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Loan calculated?
Gross Loan is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Gross Loan is $102,208 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Synchrony Financial (SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of $81.00 is trading 7.5% above its estimated GF Value™ of $75.33. GuruFocus considers Synchrony Financial to be Fairly Valued.

Key valuation signals for SYF:

  • Gross Loan: $102,208 Mil
  • GF Value™: $75.33 vs. price of $81.00 (7.5% above fair value)
  • GF Score™: 76/100 with 4 warning signs

No single metric tells the full story. See the SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Synchrony Financial Business Description

Address 777 Long Ridge Road, Stamford, CT, USA, 06902
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
76GF Score

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Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$81.00
Price
$75.33
GF Value