Business Segments · Net charge-offs
Business Segments — Net charge-offs
Synchrony Financial Business Segments — Net charge-offs decreased by 1.5% to $1.35B in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 15.2%, from $1.59B to $1.35B. Over 3 years (FY 2022 to FY 2025), Business Segments — Net charge-offs shows an upward trend with a 30.7% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ1 2022
Last reportedQ1 2026
How to read this metric
An increase indicates rising credit risk and potential portfolio quality issues, while a decrease suggests improved borrower repayment behavior.
Detailed definition
The value of loans that the company has deemed uncollectible and removed from its balance sheet, net of any recoveries....
Peer comparison
Standard 'Net Charge-Offs' (NCOs) across the consumer lending industry.
Metric ID:
syf_segment_synchrony_segment_net_charge_offsHistorical 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 | $634.00M | $634.00M | $634.00M | $634.00M | $1.16B | $1.16B | $1.16B | $1.16B | $1.59B | $1.62B | $1.55B | $1.66B | $1.59B | $1.41B | $1.30B | $1.37B | $1.35B |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +82.2% | +0.0% | +0.0% | +0.0% | +37.2% | +2.3% | -4.2% | +7.0% | -4.4% | -11.1% | -8.0% | +5.3% | -1.5% |
| YoY Change | — | — | — | — | +82.2% | +82.2% | +82.2% | +82.2% | +37.2% | +40.3% | +34.5% | +43.8% | +0.2% | -13.0% | -16.4% | -17.7% | -15.2% |
Range$634.00M – $1.66B
CAGR+20.7%
Avg YoY Growth+32.5%
Median YoY Growth+37.2%
Similar Metrics at Other Companies
Frequently Asked Questions
- What is Synchrony Financial's business segments — net charge-offs?
- Synchrony Financial (SYF) reported business segments — net charge-offs of $1.35B in Q1 2026.
- How has Synchrony Financial's business segments — net charge-offs changed year-over-year?
- Synchrony Financial's business segments — net charge-offs decreased by 15.2% year-over-year, from $1.59B to $1.35B.
- What is the long-term trend for Synchrony Financial's business segments — net charge-offs?
- Over 3 years (2022 to 2025), Synchrony Financial's business segments — net charge-offs has grown at a 30.7% compound annual growth rate (CAGR), from $2.54B to $5.66B.
- What does business segments — net charge-offs mean?
- Actual losses from loans that are deemed uncollectible.