Synchrony Financial SYF
NYSE SYF
$75.03 +0.61 (+0.82%)
At close: Sep 18, 2026 · 4:00 PM EDT

Synchrony Financial (SYF) Interest Expenses (2013 - 2026)

Synchrony Financial's (SYF) quarterly Interest Expenses came in at $975.0 million in Q2 2026, down 8.45% on a YoY basis from $1.1 billion in Q2 2025, and up 0.72% quarter-over-quarter from $968.0 million in Q1 2026.

Analysis

Synchrony Financial (SYF) Interest Expenses (2013 - 2026) Analysis & Trends

Synchrony Financial (SYF) has reported Interest Expenses for 14 consecutive years, with $975.0 million the latest figure, recorded in Q2 2026.

  • For the quarter ending Q2 2026, Interest Expenses fell 8.45% year-over-year to $975.0 million; the trailing twelve-month figure through Jun 2026 stood at $3.9 billion (down 11.65% YoY), and the FY2025 full-year result was $4.1 billion, down 10.77% from the prior year.
  • Interest Expenses advanced to $975.0 million in Q2 2026 per SYF's latest filing, from $968.0 million in the prior quarter.
  • Across five years, Interest Expenses topped out at $1.2 billion in Q2 2024 and bottomed at $233.0 million in Q1 2022.
  • Historically, Interest Expenses has averaged $885.8 million across 5 years, with a median of $983.5 million in 2023.
  • The sharpest annual moves came in 2022 and 2023: Interest Expenses slipped 23.1% in 2022, then soared 231.25% in 2023.
  • Over 5 years, Interest Expenses stood at $602.0 million in 2022, then jumped by 79.9% to $1.1 billion in 2023, then grew by 3.23% to $1.1 billion in 2024, then dropped by 12.97% to $973.0 million in 2025, then gained by 0.21% to $975.0 million in 2026.
  • According to Business Quant data, Interest Expenses over the past three periods registered $975.0 million, $968.0 million, and $973.0 million for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Interest Expense (Qtr)
1 Synchrony Financial 24.38 Bn 8.19 Bn - 975.00 Mn
2 Affirm Holdings 24.01 Bn 22.38 Bn - 118.51 Mn
3 FirstCash Holdings 9.50 Bn 9.33 Bn 533.67 Mn 35.70 Mn
4 Credit Acceptance 6.00 Bn 5.51 Bn 569.30 Mn 107.40 Mn
5 Slm 4.72 Bn -77.52 Mn - 269.23 Mn
6 Enova International 4.35 Bn 4.22 Bn 568.07 Mn 97.82 Mn
7 Bread Financial Holdings 4.20 Bn -15.89 Bn 957.00 Mn 195.00 Mn
8 StoneCo 2.99 Bn 1.38 Bn 308.97 Mn -213.64 Mn
9 Ezcorp 1.88 Bn 1.57 Bn 246.19 Mn 8.35 Mn
10 Navient 1.64 Bn 275.03 Mn - 560.00 Mn
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 975.00 Mn
Mar 31, 2026 968.00 Mn
Dec 31, 2025 973.00 Mn
Sep 30, 2025 1.01 Bn
Jun 30, 2025 1.07 Bn
Mar 31, 2025 1.09 Bn
Dec 31, 2024 1.12 Bn
Sep 30, 2024 1.18 Bn
Jun 30, 2024 1.18 Bn
Mar 31, 2024 1.16 Bn
Dec 31, 2023 1.08 Bn
Sep 30, 2023 992.00 Mn
Jun 30, 2023 901.00 Mn
Mar 31, 2023 735.00 Mn
Dec 31, 2022 602.00 Mn
Sep 30, 2022 414.00 Mn
Jun 30, 2022 272.00 Mn
Mar 31, 2022 233.00 Mn
Dec 31, 2021 223.00 Mn
Sep 30, 2021 240.00 Mn