Synchrony Financial (SYF) Times Interest Earned (2013 - 2026)
Synchrony Financial's (SYF) Times Interest Earned was 2.21 for Q3 2026, down 8.6% from 2.41 a year earlier and down 0.5% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Times Interest Earned (2013 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Synchrony Financial's Times Interest Earned came in at 2.12, up 1.7% year-over-year; for FY2025, it came in at 2.12, up 6.8% from FY2024.
- By year, Times Interest Earned came in at 1.98 in FY2024 (+11.2%), 1.78 in FY2023 (-50.6%), 3.60 in FY2022 (-43.1%) and 6.33 in FY2021 (+204.5%).
- Five-year quarterly Times Interest Earned spans a low of 1.50 in Q4 2023 and a high of 6.29 in Q1 2022.
- Year over year, Times Interest Earned gained in six of the last eight quarters, with growth averaging 8.2%.
- The high point for year-over-year Times Interest Earned in five years was Q4 2021 (growth of 48.8%); the low point was Q1 2023 (a decline of 67.0%).
- Per Business Quant data, the three quarters before Q3 2026 came in at 2.22 (Q2 2026), 2.08 (Q1 2026) and 1.98 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | 2.98 |
| 2 | Rocket Companies | 35.89 Bn | 35.89 Bn | - | - |
| 3 | Royalty Pharma | 29.95 Bn | 26.91 Bn | - | 1.42 |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 1.15 |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 1.24 |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 2.21 |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 27.97 |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | 0.31 |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.21 |
| Jun 30, 2026 | 2.22 |
| Mar 31, 2026 | 2.08 |
| Dec 31, 2025 | 1.98 |
| Sep 30, 2025 | 2.41 |
| Jun 30, 2025 | 2.18 |
| Mar 31, 2025 | 1.91 |
| Dec 31, 2024 | 1.87 |
| Sep 30, 2024 | 1.87 |
| Jun 30, 2024 | 1.72 |
| Mar 31, 2024 | 2.47 |
| Dec 31, 2023 | 1.50 |
| Sep 30, 2023 | 1.84 |
| Jun 30, 2023 | 1.82 |
| Mar 31, 2023 | 2.07 |
| Dec 31, 2022 | 2.23 |
| Sep 30, 2022 | 3.23 |
| Jun 30, 2022 | 4.92 |
| Mar 31, 2022 | 6.29 |
| Dec 31, 2021 | 5.70 |
API Access
Synchrony Financial Times Interest Earned 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=times-interest-earned&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "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=times-interest-earned&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();