SYF (Synchrony Financial) Net Loan: $89,657 Mil (As of Mar. 2026)

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SYF Synchrony Financial SYF
76 GF Score
Price $74.04
GF Value $67.22
Valuation Fairly Valued
! 2 Warning Signs
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What is Synchrony Financial Net Loan?

Synchrony Financial SYF +0.49% 76 Net Loan is $89,657 Mil as of Mar. 2026. GuruFocus rates SYF with a GF Score™ of 76/100 and a GF Value™ of $67.22 (Fairly Valued). The stock has 2 warning signs investors should review.

Synchrony Financial's quarterly net loan increased from Sep. 2025 ($89,997 Mil) to Dec. 2025 ($93,366 Mil) but then declined from Dec. 2025 ($93,366 Mil) to Mar. 2026 ($89,657 Mil).

Synchrony Financial's annual net loan increased from Dec. 2023 ($92,417 Mil) to Dec. 2024 ($93,366 Mil) but then declined from Dec. 2024 ($93,366 Mil) to Dec. 2025 ($89,657 Mil).

Synchrony Financial Net Loan Historical Data

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The historical data trend for Synchrony Financial's Net 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 Net Loan Chart

Synchrony Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 76,413.00 82,943.00 92,417.00 93,792.00 93,366.00

Synchrony Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net 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 88,780.00 89,403.00 89,997.00 93,366.00 89,657.00
SYF
76GF Score
Synchrony Financial SYF
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Synchrony Financial Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $89,657 Mil mean?
Synchrony Financial (SYF) has a Net Loan of $89,657 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Net Loan too high?
Synchrony Financial's current Net Loan is $89,657 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 Net Loan compare to AFRM and SOFI?
Synchrony Financial's Net Loan of $89,657 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 Net Loan for a Credit Services company?
A good Net Loan depends on the Credit Services industry context. However, Net 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Net Loan is $89,657 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 $67.22, compared to a current price of $74.04 — trading 10.1% above its estimated fair value. The current Net Loan is $89,657 Mil. Synchrony Financial's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Net Loan is $89,657 Mil as of Mar. 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 $74.04 is trading 10.1% above its estimated GF Value™ of $67.22. GuruFocus considers Synchrony Financial to be Fairly Valued.

Key valuation signals for SYF:

  • Net Loan: $89,657 Mil
  • GF Value™: $67.22 vs. price of $74.04 (10.1% above fair value)
  • GF Score™: 76/100 with 2 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

Get the complete analysis for SYF

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

$74.04
Price
$67.22
GF Value