Synchrony Financial (SYF) Provision for Credit Losses (2013 - 2026)
Synchrony Financial (SYF) recorded Provision for Credit Losses of $1.27 billion in Q3 2026, up 10.5% from $1.15 billion a year earlier and up 5.4% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Provision for Credit Losses (2013 - 2026) Analysis & Trends
On a TTM basis, Synchrony Financial's Provision for Credit Losses came in at $5.24 billion as of Sep 30, 2026, down 1.9% year-over-year; for FY2025, it came in at $5.23 billion, down 22.4% from FY2024.
- Annual Provision for Credit Losses has a five-year compound annual growth rate of -0.3% (FY2020 to FY2025).
- Across earlier years, Provision for Credit Losses came in at $6.73 billion in FY2024 (+12.9%), $5.97 billion in FY2023 (+76.7%), $3.38 billion in FY2022 (+364.9%) and $726 million in FY2021 (-86.3%).
- Quarterly Provision for Credit Losses has ranged from $521 million in Q1 2022 to $1.88 billion in Q1 2024 over the past five years.
- On a year-over-year basis, Provision for Credit Losses rose in two of the last eight quarters, with an average decline of 12.2%.
- Peak year-over-year performance for Provision for Credit Losses in the last five years was growth of 147.6% in Q1 2023, against a decline of 32.2% in Q2 2025 at the low end.
- Per Business Quant, the preceding three quarters came in at $1.2 billion (Q2 2026), $1.34 billion (Q1 2026) and $1.44 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 44.05 Bn | 29.73 Bn | - | - |
| 2 | Orix | 40.96 Bn | 10.18 Bn | 12.74 Bn | -3.38 Mn |
| 3 | Royalty Pharma | 36.72 Bn | 36.63 Bn | - | 268.22 Mn |
| 4 | Affirm Holdings | 23.63 Bn | 17.32 Bn | - | 223.20 Mn |
| 5 | Federal National Mortgage Association Fannie Mae | 23.47 Bn | 23.47 Bn | - | 485.00 Mn |
| 6 | Synchrony Financial | 22.90 Bn | -44.72 Bn | - | 1.27 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 | - | -880.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 1.27 Bn |
| Jun 30, 2026 | 1.20 Bn |
| Mar 31, 2026 | 1.34 Bn |
| Dec 31, 2025 | 1.44 Bn |
| Sep 30, 2025 | 1.15 Bn |
| Jun 30, 2025 | 1.15 Bn |
| Mar 31, 2025 | 1.49 Bn |
| Dec 31, 2024 | 1.56 Bn |
| Sep 30, 2024 | 1.60 Bn |
| Jun 30, 2024 | 1.69 Bn |
| Mar 31, 2024 | 1.88 Bn |
| Dec 31, 2023 | 1.80 Bn |
| Sep 30, 2023 | 1.49 Bn |
| Jun 30, 2023 | 1.38 Bn |
| Mar 31, 2023 | 1.29 Bn |
| Dec 31, 2022 | 1.20 Bn |
| Sep 30, 2022 | 929.00 Mn |
| Jun 30, 2022 | 724.00 Mn |
| Mar 31, 2022 | 521.00 Mn |
| Dec 31, 2021 | 561.00 Mn |
API Access
Synchrony Financial Provision for Credit Losses 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=provision-for-credit-losses&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-credit-losses", "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=provision-for-credit-losses&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();