Interest Income (Expense), after Retailer Share Arrangements and Provision for Loan Loss
Synchrony Financial Interest Income (Expense), after Retailer Share Arrangements and Provision for Loan Loss increased by 0.2% to $2.23B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 7.3%, from $2.08B to $2.23B. Over 4 years (FY 2021 to FY 2025), Interest Income (Expense), after Retailer Share Arrangements and Provision for Loan Loss shows relatively stable performance with a 0.7% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
An increase indicates strong underlying profitability after accounting for both credit risk and partnership costs.
Detailed definition
This metric represents the net interest income after accounting for both retailer share arrangements and the provision f...
Peer comparison
Specific to credit card issuers with complex partnership structures.
other_interest_income_expenseafter_retailer_share_arrang_8eeedbHistorical 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 | $2.50B | $2.37B | $2.00B | $2.16B | $1.95B | $1.94B | $1.86B | $1.84B | $1.85B | $1.90B | $1.78B | $1.76B | $1.90B | $2.10B | $2.11B | $2.08B | $2.38B | $2.55B | $2.23B | $2.23B |
| QoQ Change | — | -5.3% | -15.4% | +8.1% | -9.8% | -0.5% | -4.1% | -1.0% | +0.3% | +2.4% | -5.9% | -1.5% | +8.4% | +10.2% | +0.7% | -1.6% | +14.7% | +7.0% | -12.7% | +0.2% |
| YoY Change | — | — | — | — | -22.0% | -18.0% | -7.0% | -14.8% | -5.2% | -2.4% | -4.2% | -4.7% | +2.9% | +10.7% | +18.4% | +18.3% | +25.2% | +21.5% | +5.4% | +7.3% |
Interest Income (Expense), after Retailer Share Arrangements and Provision for Loan Loss at Other Companies
Frequently Asked Questions
- What is Synchrony Financial's interest income (expense), after retailer share arrangements and provision for loan loss?
- Synchrony Financial (SYF) reported interest income (expense), after retailer share arrangements and provision for loan loss of $2.23B in Q1 2026.
- How has Synchrony Financial's interest income (expense), after retailer share arrangements and provision for loan loss changed year-over-year?
- Synchrony Financial's interest income (expense), after retailer share arrangements and provision for loan loss increased by 7.3% year-over-year, from $2.08B to $2.23B.
- What is the long-term trend for Synchrony Financial's interest income (expense), after retailer share arrangements and provision for loan loss?
- Over 4 years (2021 to 2025), Synchrony Financial's interest income (expense), after retailer share arrangements and provision for loan loss has grown at a 0.7% compound annual growth rate (CAGR), from $8.99B to $9.24B.
- What does interest income (expense), after retailer share arrangements and provision for loan loss mean?
- The net profit from lending after paying partners and accounting for expected loan losses.