Synchrony Financial (SYF-PA) Change in Net Loans (2013 - 2026)
Synchrony Financial (SYF-PA) posted Change in Net Loans of -$2.4 billion for Q1 2026, down 149.24% quarter-over-quarter from $4.8 billion in Q4 2025, and up 31.21% year-on-year from -$1.8 billion in Q1 2025.
Synchrony Financial (SYF-PA) Change in Net Loans (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF-PA) has reported Change in Net Loans for 14 consecutive years, with -$2.4 billion the latest figure, recorded in Q1 2026.
- Change in Net Loans for Q1 2026 came in at -$2.4 billion, up 31.21% year-over-year; the trailing twelve-month figure through Mar 2026 was $5.7 billion (changed 0.42% YoY), and the FY2025 annual result was $4.6 billion, down 39.2% from the prior year.
- Change in Net Loans was -$2.4 billion for Q1 2026 at Synchrony Financial, down from $4.8 billion in the prior quarter.
- Over five years, Change in Net Loans peaked at $6.7 billion in Q4 2022 and troughed at -$3.4 billion in Q1 2025.
- Average Change in Net Loans over 5 years is $2.3 billion, with a median of $2.6 billion recorded in 2024.
- Year-over-year, Change in Net Loans soared 116.54% in 2023 and sank 742.74% in 2024.
- Over 5 years, Change in Net Loans stood at $6.7 billion in 2022, then declined by 9.37% to $6.1 billion in 2023, then tumbled by 33.95% to $4.0 billion in 2024, then climbed by 18.8% to $4.8 billion in 2025, then tumbled by 149.24% to -$2.4 billion in 2026.
- Per Business Quant data, the three most recent Change in Net Loans figures were -$2.4 billion in Q1 2026, $4.8 billion in Q4 2025, and $1.4 billion in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Net Loans (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | -512.00 Mn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | - |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | - |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | - |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | - |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | - |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | - |
| 10 | Synchrony Financial | - | - | - | -2.36 Bn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -2.36 Bn |
| Dec 31, 2025 | 4.79 Bn |
| Sep 30, 2025 | 1.42 Bn |
| Jun 30, 2025 | 1.82 Bn |
| Mar 31, 2025 | -3.43 Bn |
| Dec 31, 2024 | 4.03 Bn |
| Sep 30, 2024 | 2.45 Bn |
| Jun 30, 2024 | 2.60 Bn |
| Mar 31, 2024 | -1.50 Bn |
| Dec 31, 2023 | 6.10 Bn |
| Sep 30, 2023 | 3.78 Bn |
| Jun 30, 2023 | 4.78 Bn |
| Mar 31, 2023 | 234.00 Mn |
| Dec 31, 2022 | 6.73 Bn |
| Sep 30, 2022 | 3.95 Bn |
| Jun 30, 2022 | 4.46 Bn |
| Mar 31, 2022 | -1.42 Bn |
| Dec 31, 2021 | 5.77 Bn |
| Sep 30, 2021 | 1.98 Bn |
| Jun 30, 2021 | 2.62 Bn |