Interest and Fee Income on Loans and Leases
Synchrony Financial Interest and Fee Income on Loans and Leases decreased by 2.4% to $5.41B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 1.9%, from $5.31B to $5.41B. Over 4 years (FY 2021 to FY 2025), Interest and Fee Income on Loans and Leases shows an upward trend with a 9.3% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase suggests growth in the loan portfolio or higher interest rates, while a decrease may indicate shrinking loan volume or competitive pricing pressure.
Detailed definition
This represents the primary revenue generated from the bank's core lending activities, including interest payments and a...
Peer comparison
Standard across all commercial banks; peers typically report this as 'Interest Income on Loans'.
bac_interest_and_fee_income_loans_and_leasesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $3.57B | $3.89B | $4.04B | $4.01B | $4.04B | $4.26B | $4.58B | $4.62B | $4.81B | $5.15B | $5.32B | $5.29B | $5.30B | $5.52B | $5.48B | $5.31B | $5.33B | $5.51B | $5.55B | $5.41B |
| QoQ Change | — | +9.0% | +4.0% | -0.8% | +0.8% | +5.4% | +7.5% | +0.9% | +4.2% | +7.0% | +3.3% | -0.6% | +0.2% | +4.2% | -0.8% | -3.1% | +0.3% | +3.4% | +0.7% | -2.4% |
| YoY Change | — | — | — | — | +13.2% | +9.5% | +13.2% | +15.2% | +19.1% | +21.0% | +16.3% | +14.7% | +10.2% | +7.2% | +2.9% | +0.4% | +0.5% | -0.2% | +1.2% | +1.9% |
Business Segments
| Segment | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|
| Synchrony Segment | $5.31B | $5.33B | $5.51B | $5.55B | $5.41B |
| Total | $5.31B | $5.33B | $5.51B | $5.55B | $5.41B |
Interest and Fee Income on Loans and Leases at Other Companies
Frequently Asked Questions
- What is Synchrony Financial's interest and fee income on loans and leases?
- Synchrony Financial (SYF) reported interest and fee income on loans and leases of $5.41B in Q1 2026.
- How has Synchrony Financial's interest and fee income on loans and leases changed year-over-year?
- Synchrony Financial's interest and fee income on loans and leases increased by 1.9% year-over-year, from $5.31B to $5.41B.
- What is the long-term trend for Synchrony Financial's interest and fee income on loans and leases?
- Over 4 years (2021 to 2025), Synchrony Financial's interest and fee income on loans and leases has grown at a 9.3% compound annual growth rate (CAGR), from $15.23B to $21.70B.
- What does interest and fee income on loans and leases mean?
- The total interest and fees earned from lending money to customers.