SYF (Synchrony Financial) Total Liabilities: $105,024 Mil (As of Mar. 2026)


SYF Synchrony Financial SYF
75 GF Score
Price $78.66
GF Value $65.69
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Synchrony Financial Total Liabilities?

Synchrony Financial SYF +0.18% 75 Total Liabilities is $105,024 Mil as of Mar. 2026. GuruFocus rates SYF with a GF Score™ of 75/100 and a GF Value™ of $65.69 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Synchrony Financial's Total Liabilities for the quarter that ended in Mar. 2026 was $105,024 Mil.

Synchrony Financial's quarterly Total Liabilities increased from Sep. 2025 ($99,919.00 Mil) to Dec. 2025 ($102,329.00 Mil) and increased from Dec. 2025 ($102,329.00 Mil) to Mar. 2026 ($105,024.00 Mil).

Synchrony Financial's annual Total Liabilities declined from Dec. 2023 ($103,576.00 Mil) to Dec. 2024 ($102,883.00 Mil) and declined from Dec. 2024 ($102,883.00 Mil) to Dec. 2025 ($102,329.00 Mil).

Synchrony Financial Total Liabilities Historical Data

* Premium members only.

The historical data trend for Synchrony Financial's Total Liabilities 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 Total Liabilities Chart

Synchrony Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 82,093.00 91,691.00 103,576.00 102,883.00 102,329.00

Synchrony Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Liabilities 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 105,445.00 103,553.00 99,919.00 102,329.00 105,024.00
SYF
75GF Score
Synchrony Financial SYF
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Synchrony Financial Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

Synchrony Financial's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=119095-16766
=102,329

Synchrony Financial's Total Liabilities for the quarter that ended in Mar. 2026 is calculated as

Total Liabilities=Total Assets (Q: Mar. 2026 )-Total Equity (Q: Mar. 2026 )
=121501-16477
=105,024

* 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.

Frequently Asked Questions Learn more about Total Liabilities →
What does a Total Liabilities of $105,024 Mil mean?
Synchrony Financial (SYF) has a Total Liabilities of $105,024 Mil as of Mar. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Synchrony Financial and its competitors.
Is Synchrony Financial's Total Liabilities too high?
Synchrony Financial's current Total Liabilities is $105,024 Mil. Overall, Synchrony Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Total Liabilities compare to AFRM and SOFI?
Synchrony Financial's Total Liabilities of $105,024 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 Total Liabilities for a Credit Services company?
A good Total Liabilities depends on the Credit Services industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Synchrony Financial and its competitors. Synchrony Financial's current Total Liabilities is $105,024 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 $65.69, compared to a current price of $78.66 — trading 19.7% above its estimated fair value. The current Total Liabilities is $105,024 Mil. Synchrony Financial's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Total Liabilities is $105,024 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 $78.66 is trading 19.7% above its estimated GF Value™ of $65.69. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

  • Total Liabilities: $105,024 Mil
  • GF Value™: $65.69 vs. price of $78.66 (19.7% above fair value)
  • GF Score™: 75/100 with 3 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).
75GF Score

Get the complete analysis for SYF

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

$78.66
Price
$65.69
GF Value