Synchrony Financial (SYF) Interest Expense - Debt (2013 - 2026)
Synchrony Financial (SYF) posted Interest Expense - Debt of $106 million for Q3 2026, up 1.0% from $105 million a year earlier but down 4.5% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Interest Expense - Debt (2013 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Interest Expense - Debt at Synchrony Financial was $427 million, up 2.4% year-over-year; for FY2025, it was $417 million, down 2.3% from FY2024.
- Annual Interest Expense - Debt shows a five-year compound annual growth rate of 12.0% (FY2020 to FY2025).
- In prior years, Synchrony Financial's Interest Expense - Debt was $427 million in FY2024 (+25.6%), $340 million in FY2023 (+73.5%), $196 million in FY2022 (+16.0%) and $169 million in FY2021 (-28.7%).
- Quarterly Interest Expense - Debt has run from a low of $33 million in Q4 2021 to a high of $111 million in Q2 2026 over five years.
- On a year-over-year basis, Interest Expense - Debt has increased in each of the last three quarters, with growth averaging 0.7% over the last eight quarters.
- The strongest year-over-year quarter for Interest Expense - Debt in the past five years was Q1 2023, with growth of 133.3%; the weakest was Q4 2021, with a decline of 36.5%.
- According to Business Quant data, Interest Expense - Debt for the three prior quarters was $111 million (Q2 2026), $106 million (Q1 2026) and $104 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Debt (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 | - | 33.74 Bn |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | - |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 106.00 Mn |
| 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 | 106.00 Mn |
| Jun 30, 2026 | 111.00 Mn |
| Mar 31, 2026 | 106.00 Mn |
| Dec 31, 2025 | 104.00 Mn |
| Sep 30, 2025 | 105.00 Mn |
| Jun 30, 2025 | 104.00 Mn |
| Mar 31, 2025 | 104.00 Mn |
| Dec 31, 2024 | 104.00 Mn |
| Sep 30, 2024 | 108.00 Mn |
| Jun 30, 2024 | 110.00 Mn |
| Mar 31, 2024 | 105.00 Mn |
| Dec 31, 2023 | 99.00 Mn |
| Sep 30, 2023 | 86.00 Mn |
| Jun 30, 2023 | 78.00 Mn |
| Mar 31, 2023 | 77.00 Mn |
| Dec 31, 2022 | 69.00 Mn |
| Sep 30, 2022 | 54.00 Mn |
| Jun 30, 2022 | 40.00 Mn |
| Mar 31, 2022 | 33.00 Mn |
| Dec 31, 2021 | 33.00 Mn |
API Access
Synchrony Financial Interest Expense - Debt 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=interest-expense-debt&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expense-debt", "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=interest-expense-debt&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();