Synchrony Financial (SYF) Interest Expense - Deposits (2013 - 2026)
Synchrony Financial posted quarterly Interest Expense - Deposits of $770.0 million for Q1 2026, down 12.7% year-on-year from $882.0 million in Q1 2025, and down 1.41% on a QoQ basis from $781.0 million in Q4 2025.
Synchrony Financial (SYF) Interest Expense - Deposits (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has 14 years of Interest Expense - Deposits data on file, last reported at $770.0 million in Q1 2026.
- For the quarter ending Q1 2026, Interest Expense - Deposits fell 12.7% year-over-year to $770.0 million; the trailing twelve-month figure through Mar 2026 stood at $3.2 billion (down 13.82% YoY), and the FY2025 full-year result was $3.3 billion, down 12.51% from the prior year.
- Interest Expense - Deposits for Q1 2026 stood at $770.0 million, down from $781.0 million in the prior quarter.
- Across five years, Interest Expense - Deposits topped out at $968.0 million in Q3 2024 and bottomed at $127.0 million in Q1 2022.
- The 5-year median for Interest Expense - Deposits is $800.0 million (2023), against an average of $698.0 million.
- The widest annual swing landed in 2022, when Interest Expense - Deposits fell 25.29%; it then soared 348.12% in 2023.
- A 5-year view of Interest Expense - Deposits shows it stood at $441.0 million in 2022, then soared by 99.09% to $878.0 million in 2023, then advanced by 4.44% to $917.0 million in 2024, then declined by 14.83% to $781.0 million in 2025, then decreased by 1.41% to $770.0 million in 2026.
- The last three Interest Expense - Deposits figures came in at $770.0 million (Q1 2026), $781.0 million (Q4 2025), and $812.0 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Deposits (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | - |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | - |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 1.29 Bn |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 3.39 Bn |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | - |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | - |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 770.00 Mn |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 287.23 Mn |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 1.23 Bn |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 770.00 Mn |
| Dec 31, 2025 | 781.00 Mn |
| Sep 30, 2025 | 812.00 Mn |
| Jun 30, 2025 | 855.00 Mn |
| Mar 31, 2025 | 882.00 Mn |
| Dec 31, 2024 | 917.00 Mn |
| Sep 30, 2024 | 968.00 Mn |
| Jun 30, 2024 | 967.00 Mn |
| Mar 31, 2024 | 954.00 Mn |
| Dec 31, 2023 | 878.00 Mn |
| Sep 30, 2023 | 800.00 Mn |
| Jun 30, 2023 | 717.00 Mn |
| Mar 31, 2023 | 557.00 Mn |
| Dec 31, 2022 | 441.00 Mn |
| Sep 30, 2022 | 280.00 Mn |
| Jun 30, 2022 | 160.00 Mn |
| Mar 31, 2022 | 127.00 Mn |
| Dec 31, 2021 | 119.00 Mn |
| Sep 30, 2021 | 131.00 Mn |
| Jun 30, 2021 | 146.00 Mn |