Synchrony Financial (SYF) Interest Expense - Deposits (2013 - 2026)
Synchrony Financial's (SYF) quarterly Interest Expense - Deposits came in at $767.0 million in Q2 2026, down 10.29% on a YoY basis from $855.0 million in Q2 2025, and little changed quarter-over-quarter from $770.0 million in Q1 2026.
Analysis
Synchrony Financial (SYF) Interest Expense - Deposits (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported Interest Expense - Deposits for 14 consecutive years, with $767.0 million the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Interest Expense - Deposits fell 10.29% year-over-year to $767.0 million; the trailing twelve-month figure through Jun 2026 stood at $3.1 billion (down 13.58% YoY), and the FY2025 full-year result was $3.3 billion, down 12.51% from the prior year.
- Interest Expense - Deposits was little changed at $767.0 million in Q2 2026 per SYF's latest filing, from $770.0 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.
- Historically, Interest Expense - Deposits has averaged $701.8 million across 5 years, with a median of $790.5 million in 2023.
- The sharpest annual moves came in 2022 and 2023: Interest Expense - Deposits retreated 25.29% in 2022, then jumped 348.12% in 2023.
- Over 5 years, Interest Expense - Deposits stood at $441.0 million in 2022, then jumped by 99.09% to $878.0 million in 2023, then climbed by 4.44% to $917.0 million in 2024, then fell by 14.83% to $781.0 million in 2025, then retreated by 1.79% to $767.0 million in 2026.
- According to Business Quant data, Interest Expense - Deposits over the past three periods registered $767.0 million, $770.0 million, and $781.0 million for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Deposits (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 767.00 Mn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | - |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | - |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | - |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 191.08 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | - |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 139.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | - |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 767.00 Mn |
| 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 |