Operating Expenses
Provision for Credit Losses
Synchrony Financial Provision for Credit Losses decreased by 7.4% to $1.34B in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 10.5%, from $1.49B to $1.34B. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows an upward trend with a 63.8% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementIncome Statement
SectionOperating Expenses
CategoryRisk
SignalLower is better
VolatilityVolatile
First reportedQ1 2013
Last reportedQ1 2026
How to read this metric
An increase suggests deteriorating credit quality or portfolio growth, while a decrease may indicate improved borrower health or more conservative lending.
Detailed definition
This is an expense set aside to cover expected future losses on loans and credit card receivables. It reflects managemen...
Peer comparison
Standard for all lenders and credit card issuers.
Metric ID:
provision_for_credit_lossesHistorical 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 | -$194.00M | $25.00M | $561.00M | $521.00M | $724.00M | $929.00M | $1.20B | $1.29B | $1.38B | $1.49B | $1.80B | $1.88B | $1.69B | $1.60B | $1.56B | $1.49B | $1.15B | $1.15B | $1.44B | $1.34B |
| QoQ Change | — | +112.9% | >999% | -7.1% | +39.0% | +28.3% | +29.3% | +7.4% | +7.2% | +7.6% | +21.2% | +4.4% | -10.2% | -5.6% | -2.3% | -4.5% | -23.1% | +0.0% | +25.8% | -7.4% |
| YoY Change | — | — | — | — | +473.2% | >999% | +114.1% | +147.6% | +91.0% | +60.2% | +50.2% | +46.0% | +22.3% | +7.3% | -13.5% | -20.9% | -32.2% | -28.2% | -7.6% | -10.5% |
Range-$194.00M – $1.88B
CAGR+50.1%
Avg YoY Growth+282.2%
Median YoY Growth+34.2%
Business Segments
| Segment | Q1 '25 | Q1 '26 |
|---|---|---|
| Synchrony Segment | $1.49B | $1.34B |
| Total | $1.49B | $1.34B |
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is Synchrony Financial's provision for credit losses?
- Synchrony Financial (SYF) reported provision for credit losses of $1.34B in Q1 2026.
- How has Synchrony Financial's provision for credit losses changed year-over-year?
- Synchrony Financial's provision for credit losses decreased by 10.5% year-over-year, from $1.49B to $1.34B.
- What is the long-term trend for Synchrony Financial's provision for credit losses?
- Over 4 years (2021 to 2025), Synchrony Financial's provision for credit losses has grown at a 63.8% compound annual growth rate (CAGR), from $726.00M to $5.23B.
- What does provision for credit losses mean?
- The amount of money set aside to cover potential losses from unpaid loans.