Synchrony Financial (SYF) Change in Net Loans (2013 - 2026)
Synchrony Financial (SYF) posted Change in Net Loans of $2.32 billion for Q3 2026, up 62.7% from $1.42 billion a year earlier but down 17.1% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Change in Net Loans (2013 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Change in Net Loans at Synchrony Financial was $7.54 billion, up 96.0% year-over-year; for FY2025, it was $4.61 billion, down 39.2% from FY2024.
- In prior years, Synchrony Financial's Change in Net Loans was $7.58 billion in FY2024 (-49.2%), $14.9 billion in FY2023 (+8.5%), $13.73 billion in FY2022 (+115.3%) and $6.38 billion in FY2021.
- Quarterly Change in Net Loans has run from a low of -$3.43 billion in Q1 2025 to a high of $6.73 billion in Q4 2022 over five years.
- On a year-over-year basis, Change in Net Loans increased in three of the last six quarters, with growth averaging 4.9%.
- The strongest year-over-year quarter for Change in Net Loans in the past five years was Q3 2022, with growth of 99.3%; the weakest was Q2 2024, with a decline of 45.7%.
- According to Business Quant data, Change in Net Loans for the three prior quarters was $2.79 billion (Q2 2026), -$2.36 billion (Q1 2026) and $4.79 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Net Loans (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.77 Bn | 9.49 Bn | 12.74 Bn | - |
| 2 | Rocket Companies | 39.13 Bn | 24.81 Bn | - | - |
| 3 | Federal National Mortgage Association Fannie Mae | 31.04 Bn | 31.04 Bn | - | - |
| 4 | Royalty Pharma | 29.55 Bn | 26.51 Bn | - | - |
| 5 | Affirm Holdings | 24.17 Bn | 17.86 Bn | - | - |
| 6 | Synchrony Financial | 23.99 Bn | -43.63 Bn | - | 2.32 Bn |
| 7 | Royal Gold | 19.63 Bn | 18.81 Bn | 390.45 Mn | - |
| 8 | Federal Home Loan Mortgage | 15.85 Bn | -2.83 Bn | - | - |
| 9 | Annaly Capital Management | 13.96 Bn | 4.91 Bn | - | - |
| 10 | Ares Capital | 13.69 Bn | 11.44 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.32 Bn |
| Jun 30, 2026 | 2.79 Bn |
| 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 |
API Access
Synchrony Financial Change in Net Loans API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=change-in-net-loans&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "change-in-net-loans", "ticker": "SYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=change-in-net-loans&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();