SYF (Synchrony Financial) Long-Term Debt: $16,428 Mil (As of Mar. 2026)


SYF Synchrony Financial SYF
73 GF Score
Price $76.33
GF Value $66.15
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Synchrony Financial Long-Term Debt?

Synchrony Financial SYF -0.57% 73 Long-Term Debt is $16,428 Mil as of Mar. 2026. GuruFocus rates SYF with a GF Score™ of 73/100 and a GF Value™ of $66.15 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Synchrony Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was $16,428 Mil.

Synchrony Financial's quarterly Long-Term Debt increased from Sep. 2025 ($14,431 Mil) to Dec. 2025 ($15,182 Mil) and increased from Dec. 2025 ($15,182 Mil) to Mar. 2026 ($16,428 Mil).

Synchrony Financial's annual Long-Term Debt declined from Dec. 2023 ($15,982 Mil) to Dec. 2024 ($15,462 Mil) and declined from Dec. 2024 ($15,462 Mil) to Dec. 2025 ($15,182 Mil).

Synchrony Financial  (NYSE:SYF) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Synchrony Financial Long-Term Debt Related Terms

Synchrony Financial Long-Term Debt Historical Data

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The historical data trend for Synchrony Financial's Long-Term Debt 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 Long-Term Debt Chart

Synchrony Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14,507.00 14,191.00 15,982.00 15,462.00 15,182.00

Synchrony Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 17,009.00 16,009.00 14,431.00 15,182.00 16,428.00
SYF
73GF Score
Synchrony Financial SYF
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $16,428 Mil mean?
Synchrony Financial (SYF) has a Long-Term Debt of $16,428 Mil as of Mar. 2026.
Is Synchrony Financial's Long-Term Debt too high?
Synchrony Financial's current Long-Term Debt is $16,428 Mil. Overall, Synchrony Financial has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Long-Term Debt compare to AFRM and SOFI?
Synchrony Financial's Long-Term Debt of $16,428 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 Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Synchrony Financial's current Long-Term Debt is $16,428 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 Modestly Overvalued. The stock's GF Value™ is $66.15, compared to a current price of $76.33 — trading 15.4% above its estimated fair value. The current Long-Term Debt is $16,428 Mil. Synchrony Financial's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Long-Term Debt is $16,428 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 $76.33 is trading 15.4% above its estimated GF Value™ of $66.15. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

  • Long-Term Debt: $16,428 Mil
  • GF Value™: $66.15 vs. price of $76.33 (15.4% above fair value)
  • GF Score™: 73/100 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).
73GF Score

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

$76.33
Price
$66.15
GF Value