Synchrony Financial (SYF) Times Interest Earned (2013 - 2026)
Synchrony Financial (SYF) reported Times Interest Earned of $2.08 for Q1 2026, up 9.21% on a YoY basis from $1.91 in Q1 2025, and up 5.22% quarter-over-quarter from $1.98 in Q4 2025.
Synchrony Financial (SYF) Times Interest Earned (2013 - 2026) Analysis & Trends
Synchrony Financial has reported Times Interest Earned for 14 years, with the latest figure at $2.08 in Q1 2026.
- For the quarter ending Q1 2026, Times Interest Earned rose 9.21% year-over-year to $2.08; the trailing twelve-month figure through Mar 2026 stood at $2.17 (up 17.7% YoY), and the FY2025 full-year result was $2.12, up 6.81% from the prior year.
- Times Interest Earned for Q1 2026 stood at $2.08, up from $1.98 in the prior quarter.
- The five-year high for Times Interest Earned was $17.89 in Q1 2022, with the low at $1.5 in Q4 2023.
- Historically, Times Interest Earned has averaged $4.72 across 5 years, with a median of $1.98 in 2025.
- The largest YoY upside for Times Interest Earned was 235.03% in 2022 against a maximum downside of 90.02% in 2022.
- Synchrony Financial's Times Interest Earned stood at $1.57 in 2022, then declined by 4.71% to $1.5 in 2023, then increased by 24.88% to $1.87 in 2024, then climbed by 5.78% to $1.98 in 2025, then increased by 5.22% to $2.08 in 2026.
- The last three Times Interest Earned figures came in at $2.08 (Q1 2026), $1.98 (Q4 2025), and $2.41 (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 40.64 |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 26.52 |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 1.80 |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 1.66 |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | - |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 2.08 |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 0.78 |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 0.12 |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.49 |
| 10 | Credit Acceptance | 6.24 Bn | 6.21 Bn | 562.70 Mn | 1.23 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 | 8.82 |
| Dec 31, 2022 | 1.57 |
| Sep 30, 2022 | 12.53 |
| Jun 30, 2022 | 15.81 |
| Mar 31, 2022 | 17.89 |
| Dec 31, 2021 | 15.75 |
| Sep 30, 2021 | 7.25 |
| Jun 30, 2021 | 22.59 |