Synchrony Financial (SYF) Times Interest Earned (2013 - 2026)
Synchrony Financial's (SYF) Times Interest Earned was 2.22 for Q2 2026, up 1.7% from 2.18 a year earlier and up 6.5% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Times Interest Earned (2013 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Synchrony Financial's Times Interest Earned came in at 2.17, up 11.3% 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 7.25 in Q3 2021.
- Year over year, Times Interest Earned has now increased in each of the last five quarters, with growth averaging 9.5% over the last eight quarters.
- The high point for year-over-year Times Interest Earned in five years was Q3 2021 (growth of 247.9%); the low point was Q1 2023 (a decline of 67.0%).
- Per Business Quant data, the three quarters before Q2 2026 came in at 2.08 (Q1 2026), 1.98 (Q4 2025) and 2.41 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 1.75 |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 2.98 |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 1.42 |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 1.24 |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 2.22 |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | 1.15 |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 27.97 |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | 1.63 |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 11.90 Bn | -6.84 Bn | - | 1.17 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |
| Sep 30, 2021 | 7.25 |
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();