Business Segments · Interest Income (Expense), Operating
Business Segments — Interest Income (Expense), Operating
Synchrony Financial Business Segments — Interest Income (Expense), Operating decreased by 2.6% to $4.64B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 3.8%, from $4.46B to $4.64B. Over 3 years (FY 2022 to FY 2025), Business Segments — Interest Income (Expense), Operating shows an upward trend with a 5.7% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalHigher is better
VolatilityModerate
First reportedQ1 2022
Last reportedQ1 2026
Rolls up toNet Interest Income
How to read this metric
Higher values indicate a stronger net interest margin and more efficient funding of the loan portfolio.
Detailed definition
The net interest income generated by the segment, calculated as total interest income minus total interest expense. This...
Peer comparison
Standard 'Net Interest Income' (NII) metric used by all financial institutions.
Metric ID:
syf_segment_synchrony_segment_interest_income_expense_operatingHistorical Data
17 periods
| 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 | $3.91B | $3.91B | $3.91B | $3.91B | $4.25B | $4.25B | $4.25B | $4.25B | $4.41B | $4.41B | $4.61B | $4.59B | $4.46B | $4.52B | $4.72B | $4.76B | $4.64B |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +8.8% | +0.0% | +0.0% | +0.0% | +3.7% | +0.0% | +4.6% | -0.4% | -2.8% | +1.3% | +4.4% | +0.9% | -2.6% |
| YoY Change | — | — | — | — | +8.8% | +8.8% | +8.8% | +8.8% | +3.7% | +3.7% | +8.5% | +8.1% | +1.3% | +2.6% | +2.4% | +3.7% | +3.8% |
Range$3.91B – $4.76B
CAGR+4.4%
Avg YoY Growth+5.6%
Median YoY Growth+3.8%
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Frequently Asked Questions
- What is Synchrony Financial's business segments — interest income (expense), operating?
- Synchrony Financial (SYF) reported business segments — interest income (expense), operating of $4.64B in Q1 2026.
- How has Synchrony Financial's business segments — interest income (expense), operating changed year-over-year?
- Synchrony Financial's business segments — interest income (expense), operating increased by 3.8% year-over-year, from $4.46B to $4.64B.
- What is the long-term trend for Synchrony Financial's business segments — interest income (expense), operating?
- Over 3 years (2022 to 2025), Synchrony Financial's business segments — interest income (expense), operating has grown at a 5.7% compound annual growth rate (CAGR), from $15.63B to $18.47B.
- What does business segments — interest income (expense), operating mean?
- Net interest income earned after accounting for funding costs.