Synchrony Financial (SYF) Service Charges (2022 - 2026)
Synchrony Financial's (SYF) quarterly Service Charges came in at $1.8 billion in Q2 2026, little changed on a YoY basis from $1.8 billion in Q2 2025, and up 1.24% quarter-over-quarter from $1.8 billion in Q1 2026.
Analysis
Synchrony Financial (SYF) Service Charges (2022 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported Service Charges for 5 consecutive years, with $1.8 billion the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Service Charges changed 0.06% year-over-year to $1.8 billion; the trailing twelve-month figure through Jun 2026 stood at $7.0 billion (down 7.96% YoY), and the FY2025 full-year result was $7.2 billion, down 6.63% from the prior year.
- Service Charges rose to $1.8 billion in Q2 2026 per SYF's latest filing, from $1.8 billion in the prior quarter.
- Across five years, Service Charges topped out at $2.0 billion in Q2 2024 and bottomed at $752.0 million in Q1 2022.
- Historically, Service Charges has averaged $1.5 billion across 5 years, with a median of $1.7 billion in 2025.
- The sharpest annual moves came in 2023 and 2025: Service Charges jumped 69.64% in 2023, then fell 11.63% in 2025.
- Over 5 years, Service Charges stood at $985.0 million in 2022, then surged by 69.64% to $1.7 billion in 2023, then gained by 18.31% to $2.0 billion in 2024, then decreased by 11.63% to $1.7 billion in 2025, then climbed by 2.92% to $1.8 billion in 2026.
- According to Business Quant data, Service Charges over the past three periods registered $1.8 billion, $1.8 billion, and $1.7 billion for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.80 Bn |
| Mar 31, 2026 | 1.78 Bn |
| Dec 31, 2025 | 1.75 Bn |
| Sep 30, 2025 | 1.67 Bn |
| Jun 30, 2025 | 1.80 Bn |
| Mar 31, 2025 | 1.97 Bn |
| Dec 31, 2024 | 1.98 Bn |
| Sep 30, 2024 | 1.86 Bn |
| Jun 30, 2024 | 1.98 Bn |
| Mar 31, 2024 | 1.89 Bn |
| Dec 31, 2023 | 1.67 Bn |
| Sep 30, 2023 | 1.35 Bn |
| Jun 30, 2023 | 1.35 Bn |
| Mar 31, 2023 | 1.24 Bn |
| Dec 31, 2022 | 985.00 Mn |
| Sep 30, 2022 | 830.00 Mn |
| Jun 30, 2022 | 803.00 Mn |
| Mar 31, 2022 | 752.00 Mn |