Synchrony Financial (SYF) Provisions (2013 - 2026)
Synchrony Financial (SYF) recorded Provisions of $1.2 billion in Q2 2026, up 4.8% from $1.15 billion a year earlier but down 10.0% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Provisions (2013 - 2026) Analysis & Trends
On a TTM basis, Synchrony Financial's Provisions came in at $5.12 billion as of Jun 30, 2026, down 11.6% year-over-year; for FY2025, it came in at $5.23 billion, down 22.4% from FY2024.
- Annual Provisions has a five-year compound annual growth rate of -0.3% (FY2020 to FY2025).
- Across earlier years, Provisions 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 Provisions has ranged from $25 million in Q3 2021 to $1.88 billion in Q1 2024 over the past five years.
- On a year-over-year basis, Provisions rose in two of the last eight quarters, with an average decline of 12.6%.
- Peak year-over-year performance for Provisions in the last five years was growth of 147.6% in Q1 2023, against a decline of 97.9% in Q3 2021 at the low end.
- Per Business Quant, the preceding three quarters came in at $1.34 billion (Q1 2026), $1.44 billion (Q4 2025) and $1.15 billion (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | - |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | - |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | - |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 223.20 Mn |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 1.20 Bn |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | 485.00 Mn |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | - |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | - |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | -880.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |
| Sep 30, 2021 | 25.00 Mn |
API Access
Synchrony Financial 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=provisions&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "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=provisions&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();