Synchrony Financial (SYF) Loans - Loss Allowance (2013 - 2026)
Synchrony Financial (SYF) recorded Loans - Loss Allowance of $10.34 billion in Q3 2026, down 0.3% from $10.37 billion a year earlier but up 0.3% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Loans - Loss Allowance (2013 - 2026) Analysis & Trends
At the end of FY2025, Synchrony Financial reported Loans - Loss Allowance of $10.44 billion, down 4.5% from FY2024.
- Annual Loans - Loss Allowance has a five-year compound annual growth rate of 0.3% (FY2020 to FY2025).
- Across earlier years, Loans - Loss Allowance came in at $10.93 billion in FY2024 (+3.4%), $10.57 billion in FY2023 (+11.0%), $9.53 billion in FY2022 (+9.7%) and $8.69 billion in FY2021 (-15.4%).
- Quarterly Loans - Loss Allowance has ranged from $8.65 billion in Q1 2022 to $11.03 billion in Q3 2024 over the past five years.
- On a year-over-year basis, Loans - Loss Allowance has declined for seven consecutive quarters, with an average decline of 2.2% over the last eight quarters.
- Peak year-over-year performance for Loans - Loss Allowance in the last five years was growth of 14.6% in Q1 2024, against a decline of 15.4% in Q4 2021 at the low end.
- Per Business Quant, the preceding three quarters came in at $10.31 billion (Q2 2026), $10.43 billion (Q1 2026) and $10.44 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Loans - Loss Allowance (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | -415.53 Mn |
| 2 | Rocket Companies | 35.89 Bn | 35.89 Bn | - | - |
| 3 | Royalty Pharma | 29.95 Bn | 26.91 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 9.42 Bn |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 563.30 Mn |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 10.34 Bn |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | - |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | - |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 10.34 Bn |
| Jun 30, 2026 | 10.31 Bn |
| Mar 31, 2026 | 10.43 Bn |
| Dec 31, 2025 | 10.44 Bn |
| Sep 30, 2025 | 10.37 Bn |
| Jun 30, 2025 | 10.56 Bn |
| Mar 31, 2025 | 10.83 Bn |
| Dec 31, 2024 | 10.93 Bn |
| Sep 30, 2024 | 11.03 Bn |
| Jun 30, 2024 | 10.98 Bn |
| Mar 31, 2024 | 10.91 Bn |
| Dec 31, 2023 | 10.57 Bn |
| Sep 30, 2023 | 10.18 Bn |
| Jun 30, 2023 | 9.80 Bn |
| Mar 31, 2023 | 9.52 Bn |
| Dec 31, 2022 | 9.53 Bn |
| Sep 30, 2022 | 9.10 Bn |
| Jun 30, 2022 | 8.81 Bn |
| Mar 31, 2022 | 8.65 Bn |
| Dec 31, 2021 | 8.69 Bn |
API Access
Synchrony Financial Loans - Loss Allowance 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=loans-loss-allowance&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-loss-allowance", "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=loans-loss-allowance&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();