Business Segments — Interest and fees on loans (Note 4)
Synchrony Financial Business Segments — Interest and fees on loans (Note 4) 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 3 years (FY 2022 to FY 2025), Business Segments — Interest and fees on loans (Note 4) shows an upward trend with a 8.7% 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 effective yields, while a decrease may indicate portfolio contraction or pricing pressure.
Detailed definition
Represents the gross revenue generated from interest charges and associated fees on the credit card and consumer loan po...
Peer comparison
Standard across consumer finance and credit card issuers as 'Interest Income'.
syf_segment_synchrony_segment_interest_and_fees_on_loans_note_4Historical Data
| 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 | $4.22B | $4.22B | $4.22B | $4.22B | $4.98B | $4.98B | $4.98B | $4.98B | $5.29B | $5.30B | $5.52B | $5.48B | $5.31B | $5.33B | $5.51B | $5.55B | $5.41B |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +17.9% | +0.0% | +0.0% | +0.0% | +6.4% | +0.2% | +4.2% | -0.8% | -3.1% | +0.3% | +3.4% | +0.7% | -2.4% |
| YoY Change | — | — | — | — | +17.9% | +17.9% | +17.9% | +17.9% | +6.4% | +6.5% | +11.0% | +10.1% | +0.4% | +0.5% | -0.2% | +1.2% | +1.9% |
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Frequently Asked Questions
- What is Synchrony Financial's business segments — interest and fees on loans (note 4)?
- Synchrony Financial (SYF) reported business segments — interest and fees on loans (note 4) of $5.41B in Q1 2026.
- How has Synchrony Financial's business segments — interest and fees on loans (note 4) changed year-over-year?
- Synchrony Financial's business segments — interest and fees on loans (note 4) increased by 1.9% year-over-year, from $5.31B to $5.41B.
- What is the long-term trend for Synchrony Financial's business segments — interest and fees on loans (note 4)?
- Over 3 years (2022 to 2025), Synchrony Financial's business segments — interest and fees on loans (note 4) has grown at a 8.7% compound annual growth rate (CAGR), from $16.88B to $21.70B.
- What does business segments — interest and fees on loans (note 4) mean?
- Total interest and fee income earned from consumer loan products.