Synchrony Financial (SYF) Provisions (2013 - 2026)

Synchrony Financial posted quarterly Provisions of $1.3 billion for Q1 2026, down 10.46% year-on-year from $1.5 billion in Q1 2025, and down 7.42% on a QoQ basis from $1.4 billion in Q4 2025.

Synchrony Financial (SYF) Provisions (2013 - 2026) Analysis & Trends

Synchrony Financial (SYF) has 14 years of Provisions data on file, last reported at $1.3 billion in Q1 2026.

  • For the quarter ending Q1 2026, Provisions fell 10.46% year-over-year to $1.3 billion; the trailing twelve-month figure through Mar 2026 stood at $5.1 billion (down 20.05% YoY), and the FY2025 full-year result was $5.2 billion, down 22.4% from the prior year.
  • Provisions for Q1 2026 stood at $1.3 billion, down from $1.4 billion in the prior quarter.
  • Across five years, Provisions topped out at $1.9 billion in Q1 2024 and bottomed at $521.0 million in Q1 2022.
  • The 5-year median for Provisions is $1.4 billion (2023), against an average of $1.3 billion.
  • The widest annual swing landed in 2022, when Provisions soared 3616.0%; it then slumped 32.23% in 2025.
  • A 5-year view of Provisions shows it stood at $1.2 billion in 2022, then surged by 50.21% to $1.8 billion in 2023, then fell by 13.47% to $1.6 billion in 2024, then decreased by 7.62% to $1.4 billion in 2025, then dropped by 7.42% to $1.3 billion in 2026.
  • The last three Provisions figures came in at $1.3 billion (Q1 2026), $1.4 billion (Q4 2025), and $1.1 billion (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Provisions (Qtr)
1 Visa 539.53 Bn 527.13 Bn - -
2 Mastercard 441.81 Bn 431.60 Bn - -
3 American Express 215.01 Bn 160.96 Bn 17.43 Bn 1.25 Bn
4 Capital One Financial 114.99 Bn 38.50 Bn - 4.07 Bn
5 PayPal Holdings 41.29 Bn 31.95 Bn 7.84 Bn -
6 Affirm Holdings 24.62 Bn 22.89 Bn 261.64 Mn 196.54 Mn
7 Synchrony Financial 24.22 Bn 3.66 Bn - 1.34 Bn
8 SoFi Technologies 23.71 Bn 20.31 Bn 929.25 Mn 8.90 Mn
9 Ally Financial 13.13 Bn 12.69 Bn 1.98 Bn 467.00 Mn
10 Credit Acceptance 6.46 Bn 6.44 Bn 562.70 Mn -

Historic Data

Download Data
DateValue
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
Sep 30, 2021 25.00 Mn
Jun 30, 2021 -194.00 Mn