Synchrony Financial (SYF) Interest Expense - Deposits (2013 - 2026)
Synchrony Financial's Interest Expense - Deposits came in at $767 million for Q3 2026, down 5.5% from $812 million a year earlier and unchanged from the prior quarter.
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Analysis
Synchrony Financial (SYF) Interest Expense - Deposits (2013 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Synchrony Financial reported Interest Expense - Deposits of $3.09 billion, down 11.0% year-over-year; for FY2025, it came in at $3.33 billion, down 12.5% from FY2024.
- Interest Expense - Deposits carries a five-year compound annual growth rate of 24.9% (FY2020 to FY2025).
- Going back by year, Interest Expense - Deposits was $3.81 billion in FY2024 (+28.9%), $2.95 billion in FY2023 (+192.9%), $1.01 billion in FY2022 (+78.1%) and $566 million in FY2021 (-48.3%).
- The five-year range for quarterly Interest Expense - Deposits is $119 million (Q4 2021) to $968 million (Q3 2024).
- Year-over-year, Interest Expense - Deposits has declined for seven consecutive quarters, with an average decline of 9.3% over the last eight quarters.
- The fastest year-over-year change in Interest Expense - Deposits over five years came in Q2 2023 (growth of 348.1%), and the weakest in Q4 2021 (a decline of 40.5%).
- Business Quant data shows SYF's Interest Expense - Deposits at $767 million (Q2 2026), $770 million (Q1 2026) and $781 million (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Deposits (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 | - | - |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 767.00 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 | 767.00 Mn |
| 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 |
API Access
Synchrony Financial Interest Expense - Deposits 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-deposits&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expense-deposits", "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-deposits&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();