Synchrony Financial (SYF) Net Interest Income After Provisions (2013 - 2026)
Synchrony Financial (SYF) posted Net Interest Income After Provisions of $2.45 billion for Q3 2026, down 4.0% from $2.55 billion a year earlier but up 2.8% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Net Interest Income After Provisions (2013 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Net Interest Income After Provisions at Synchrony Financial was $9.28 billion, up 1.7% year-over-year; for FY2025, it was $9.24 billion, up 17.3% from FY2024.
- Annual Net Interest Income After Provisions shows a five-year compound annual growth rate of 11.1% (FY2020 to FY2025).
- In prior years, Synchrony Financial's Net Interest Income After Provisions was $7.87 billion in FY2024 (+6.8%), $7.37 billion in FY2023 (-6.9%), $7.92 billion in FY2022 (-11.9%) and $8.99 billion in FY2021 (+65.0%).
- Quarterly Net Interest Income After Provisions has run from a low of $1.76 billion in Q1 2024 to a high of $2.55 billion in Q3 2025 over five years.
- On a year-over-year basis, Net Interest Income After Provisions increased in six of the last eight quarters, with growth averaging 11.5%.
- The strongest year-over-year quarter for Net Interest Income After Provisions in the past five years was Q2 2025, with growth of 25.2%; the weakest was Q2 2022, with a decline of 22.0%.
- According to Business Quant data, Net Interest Income After Provisions for the three prior quarters was $2.38 billion (Q2 2026), $2.23 billion (Q1 2026) and $2.23 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | NII After Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 44.05 Bn | 29.73 Bn | - | - |
| 2 | Orix | 40.96 Bn | 10.18 Bn | 12.74 Bn | - |
| 3 | Royalty Pharma | 36.72 Bn | 36.63 Bn | - | - |
| 4 | Affirm Holdings | 23.63 Bn | 17.32 Bn | - | - |
| 5 | Federal National Mortgage Association Fannie Mae | 23.47 Bn | 23.47 Bn | - | - |
| 6 | Synchrony Financial | 22.90 Bn | -44.72 Bn | - | 2.45 Bn |
| 7 | Royal Gold | 19.26 Bn | 18.48 Bn | 390.45 Mn | - |
| 8 | Annaly Capital Management | 13.77 Bn | 4.86 Bn | - | - |
| 9 | Ares Capital | 13.38 Bn | 10.82 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 12.16 Bn | -6.58 Bn | - | 6.89 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.45 Bn |
| Jun 30, 2026 | 2.38 Bn |
| Mar 31, 2026 | 2.23 Bn |
| Dec 31, 2025 | 2.23 Bn |
| Sep 30, 2025 | 2.55 Bn |
| Jun 30, 2025 | 2.38 Bn |
| Mar 31, 2025 | 2.08 Bn |
| Dec 31, 2024 | 2.11 Bn |
| Sep 30, 2024 | 2.10 Bn |
| Jun 30, 2024 | 1.90 Bn |
| Mar 31, 2024 | 1.76 Bn |
| Dec 31, 2023 | 1.78 Bn |
| Sep 30, 2023 | 1.90 Bn |
| Jun 30, 2023 | 1.85 Bn |
| Mar 31, 2023 | 1.84 Bn |
| Dec 31, 2022 | 1.86 Bn |
| Sep 30, 2022 | 1.94 Bn |
| Jun 30, 2022 | 1.95 Bn |
| Mar 31, 2022 | 2.16 Bn |
| Dec 31, 2021 | 2.00 Bn |
API Access
Synchrony Financial Net Interest Income After Provisions 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=net-interest-income-after-provisions&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-interest-income-after-provisions", "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=net-interest-income-after-provisions&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();