Other
Retailer Share Arrangements
Synchrony Financial Retailer Share Arrangements decreased by 2.2% to $1.07B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 19.6%, from $895.00M to $1.07B. Over 4 years (FY 2021 to FY 2025), Retailer Share Arrangements shows a downward trend with a -3.0% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementIncome Statement
SectionOther
CategoryEfficiency
SignalLower is better
VolatilityModerate
First reportedQ1 2013
Last reportedQ1 2026Apr 23, 2026
How to read this metric
An increase suggests higher program profitability being shared, while a decrease may indicate lower program performance or renegotiated contract terms.
Detailed definition
This represents the portion of net interest and fee income shared with retail partners in private-label or co-branded cr...
Peer comparison
Specific to banks with co-branded or private-label credit card partnerships.
Metric ID:
other_retailer_share_arrangementsHistorical Data
20 periods
| 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 | $1.01B | $1.27B | $1.27B | $1.10B | $1.13B | $1.06B | $1.04B | $917.00M | $887.00M | $979.00M | $878.00M | $764.00M | $810.00M | $914.00M | $919.00M | $895.00M | $992.00M | $1.02B | $1.09B | $1.07B |
| QoQ Change | — | +25.8% | +0.1% | -12.9% | +2.1% | -6.2% | -1.3% | -12.1% | -3.3% | +10.4% | -10.3% | -13.0% | +6.0% | +12.8% | +0.5% | -2.6% | +10.8% | +3.2% | +6.8% | -2.2% |
| YoY Change | — | — | — | — | +12.0% | -16.5% | -17.7% | -16.9% | -21.3% | -7.4% | -15.8% | -16.7% | -8.7% | -6.6% | +4.7% | +17.1% | +22.5% | +12.0% | +19.0% | +19.6% |
Range$764.00M – $1.27B
CAGR+1.3%
Avg YoY Growth-1.3%
Median YoY Growth-7.0%
Business Segments
| Segment | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|
| Synchrony Segment | $895.00M | $992.00M | $1.02B | $1.09B | $1.07B |
| Total | $895.00M | $992.00M | $1.02B | $1.09B | $1.07B |
Retailer Share Arrangements at Other Companies
Frequently Asked Questions
- What is Synchrony Financial's retailer share arrangements?
- Synchrony Financial (SYF) reported retailer share arrangements of $1.07B in Q1 2026.
- How has Synchrony Financial's retailer share arrangements changed year-over-year?
- Synchrony Financial's retailer share arrangements increased by 19.6% year-over-year, from $895.00M to $1.07B.
- What is the long-term trend for Synchrony Financial's retailer share arrangements?
- Over 4 years (2021 to 2025), Synchrony Financial's retailer share arrangements has grown at a -3.0% compound annual growth rate (CAGR), from $4.53B to $4.01B.
- What does retailer share arrangements mean?
- The share of profits paid to retail partners for credit card programs.