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| Date | Value |
|---|---|
| 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 |