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
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |