Synchrony Financial (SYF) Times Interest Earned (2013 - 2026)
Synchrony Financial's (SYF) quarterly Times Interest Earned came in at 2.22 in Q2 2026, up 1.7% on a YoY basis from 2.18 in Q2 2025, and up 6.48% quarter-over-quarter from 2.08 in Q1 2026.
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Synchrony Financial (SYF) Times Interest Earned (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported Times Interest Earned for 14 consecutive years, with 2.22 the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Times Interest Earned rose 1.7% year-over-year to 2.22; the trailing twelve-month figure through Jun 2026 stood at 2.17 (up 11.3% YoY), and the FY2025 full-year result was 2.12, up 6.81% from the prior year.
- Times Interest Earned improved to 2.22 in Q2 2026 per SYF's latest filing, from 2.08 in the prior quarter.
- Across five years, Times Interest Earned topped out at 6.29 in Q1 2022 and bottomed at 1.5 in Q4 2023.
- Historically, Times Interest Earned has averaged 2.48 across 5 years, with a median of 2.08 in 2023.
- The sharpest annual moves came in 2023 and 2025: Times Interest Earned plunged 67.02% in 2023, then advanced 28.78% in 2025.
- Over 5 years, Times Interest Earned stood at 2.23 in 2022, then plunged by 32.87% to 1.5 in 2023, then gained by 24.88% to 1.87 in 2024, then increased by 5.78% to 1.98 in 2025, then climbed by 12.03% to 2.22 in 2026.
- According to Business Quant data, Times Interest Earned over the past three periods registered 2.22, 2.08, and 1.98 for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.22 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.24 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 3.56 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.40 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 1.30 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.42 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 2.43 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 1.64 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 6.56 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 1.07 |
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 |