Synchrony Financial (SYF) Interest Expenses (2013 - 2026)
Synchrony Financial (SYF) reported Interest Expenses of $975 million for Q2 2026, down 8.5% from $1.07 billion a year earlier but up 0.7% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Interest Expenses (2013 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Synchrony Financial's Interest Expenses came in at $3.93 billion, down 11.7% year-over-year; for FY2025, it came in at $4.14 billion, down 10.8% from FY2024.
- Interest Expenses has a five-year compound annual growth rate of 20.0% (FY2020 to FY2025).
- By year, Interest Expenses came in at $4.63 billion in FY2024 (+24.9%), $3.71 billion in FY2023 (+144.0%), $1.52 billion in FY2022 (+47.4%) and $1.03 billion in FY2021 (-38.0%).
- Five-year quarterly Interest Expenses spans a low of $223 million in Q4 2021 and a high of $1.18 billion in Q2 2024.
- Year over year, Interest Expenses has now declined in each of the last six quarters, with an average decline of 5.1% over the last eight quarters.
- The high point for year-over-year Interest Expenses in five years was Q2 2023 (growth of 231.3%); the low point was Q3 2021 (a decline of 36.8%).
- Per Business Quant data, the three quarters before Q2 2026 came in at $968 million (Q1 2026), $973 million (Q4 2025) and $1.01 billion (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Int Expense (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 374.00 Mn |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 281.69 Mn |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 93.62 Mn |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 118.51 Mn |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 975.00 Mn |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | 33.32 Bn |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 10.01 Mn |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | 1.32 Bn |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | 214.00 Mn |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | 28.27 Bn |
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 |
API Access
Synchrony Financial Interest Expenses 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-expenses&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expenses", "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-expenses&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();