Synchrony Financial (SYF) Provision for Losses (2013 - 2026)
Synchrony Financial (SYF) posted Provision for Losses of $1.27 billion for Q3 2026, up 10.5% from $1.15 billion a year earlier and up 5.4% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Provision for Losses (2013 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Provision for Losses at Synchrony Financial was $5.24 billion, down 1.9% year-over-year; for FY2025, it was $5.23 billion, down 22.4% from FY2024.
- Annual Provision for Losses shows a five-year compound annual growth rate of -0.3% (FY2020 to FY2025).
- In prior years, Synchrony Financial's Provision for Losses was $6.73 billion in FY2024 (+12.9%), $5.97 billion in FY2023 (+76.7%), $3.38 billion in FY2022 (+364.9%) and $726 million in FY2021 (-86.3%).
- Quarterly Provision for Losses has run from a low of $521 million in Q1 2022 to a high of $1.88 billion in Q1 2024 over five years.
- On a year-over-year basis, Provision for Losses increased in two of the last eight quarters, with an average decline of 12.2%.
- The strongest year-over-year quarter for Provision for Losses in the past five years was Q1 2023, with growth of 147.6%; the weakest was Q2 2025, with a decline of 32.2%.
- According to Business Quant data, Provision for Losses for the three prior quarters was $1.2 billion (Q2 2026), $1.34 billion (Q1 2026) and $1.44 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provision for Losses (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | - |
| 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 | - | - |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 223.20 Mn |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 1.27 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 | 1.27 Bn |
| Jun 30, 2026 | 1.20 Bn |
| Mar 31, 2026 | 1.34 Bn |
| Dec 31, 2025 | 1.44 Bn |
| Sep 30, 2025 | 1.15 Bn |
| Jun 30, 2025 | 1.15 Bn |
| Mar 31, 2025 | 1.49 Bn |
| Dec 31, 2024 | 1.56 Bn |
| Sep 30, 2024 | 1.60 Bn |
| Jun 30, 2024 | 1.69 Bn |
| Mar 31, 2024 | 1.88 Bn |
| Dec 31, 2023 | 1.80 Bn |
| Sep 30, 2023 | 1.49 Bn |
| Jun 30, 2023 | 1.38 Bn |
| Mar 31, 2023 | 1.29 Bn |
| Dec 31, 2022 | 1.20 Bn |
| Sep 30, 2022 | 929.00 Mn |
| Jun 30, 2022 | 724.00 Mn |
| Mar 31, 2022 | 521.00 Mn |
| Dec 31, 2021 | 561.00 Mn |
API Access
Synchrony Financial Provision for Losses 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=provision-for-losses&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-losses", "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=provision-for-losses&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();