Synchrony Financial (SYF) Interest Expenses (2013 - 2026)
Synchrony Financial posted quarterly Interest Expenses of $968.0 million for Q1 2026, down 10.87% year-on-year from $1.1 billion in Q1 2025, and down 0.51% on a QoQ basis from $973.0 million in Q4 2025.
Synchrony Financial (SYF) Interest Expenses (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has 14 years of Interest Expenses data on file, last reported at $968.0 million in Q1 2026.
- For the quarter ending Q1 2026, Interest Expenses fell 10.87% year-over-year to $968.0 million; the trailing twelve-month figure through Mar 2026 stood at $4.0 billion (down 11.85% YoY), and the FY2025 full-year result was $4.1 billion, down 10.77% from the prior year.
- Interest Expenses for Q1 2026 stood at $968.0 million, down from $973.0 million in the prior quarter.
- Across five years, Interest Expenses topped out at $1.3 billion in Q4 2022 and bottomed at $72.0 million in Q2 2022.
- The 5-year median for Interest Expenses is $1.0 billion (2025), against an average of $843.2 million.
- Peak annual rise in Interest Expenses reached 1725.35% in 2022, while the deepest fall reached 75.91% in 2022.
- A 5-year view of Interest Expenses shows it stood at $1.3 billion in 2022, then declined by 16.44% to $1.1 billion in 2023, then climbed by 3.23% to $1.1 billion in 2024, then slipped by 12.97% to $973.0 million in 2025, then decreased by 0.51% to $968.0 million in 2026.
- The last three Interest Expenses figures came in at $968.0 million (Q1 2026), $973.0 million (Q4 2025), and $1.0 billion (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 178.00 Mn |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 185.00 Mn |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 1.97 Bn |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 4.09 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 | 113.76 Mn |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 968.00 Mn |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 308.01 Mn |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 1.52 Bn |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 113.80 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 968.00 Mn |
| Mar 31, 2026 | 968.00 Mn |
| Dec 31, 2025 | 973.00 Mn |
| Dec 31, 2025 | 973.00 Mn |
| Sep 30, 2025 | 1.01 Bn |
| Sep 30, 2025 | 1.01 Bn |
| Jun 30, 2025 | 1.07 Bn |
| Jun 30, 2025 | 1.07 Bn |
| Mar 31, 2025 | 1.09 Bn |
| Mar 31, 2025 | 1.09 Bn |
| Dec 31, 2024 | 1.12 Bn |
| Dec 31, 2024 | 1.12 Bn |
| Sep 30, 2024 | 1.18 Bn |
| Sep 30, 2024 | 1.18 Bn |
| Jun 30, 2024 | 1.18 Bn |
| Jun 30, 2024 | 1.18 Bn |
| Mar 31, 2024 | 1.16 Bn |
| Mar 31, 2024 | 1.16 Bn |
| Dec 31, 2023 | 1.08 Bn |
| Dec 31, 2023 | 1.08 Bn |