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Synchrony Financial SYF Business Segments — Reserve build (release)

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Other financials

Income statement

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Net income$805.0M+6.3%
EPS (diluted)$2.27+20.1%

Balance sheet

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Cash & equivalents$20.6B-4.9%
Total debt$16.4B-3.4%
Total equity$16.5B-0.6%
Total assets$121.50B-0.4%

Cash flow

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Operating cash flow$2.2B-0.8%

Valuation

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Market cap$25.58B+2.5%
Enterprise value$21.45B-0.3%
P/E7.1×-0.5×

Returns & leverage

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Return on equity21.8%+3.2pp
Debt / equity1×0.0×

Where this comes from

Reported directly by Synchrony Financial in its filing.

Tagged under the XBRL concept syf:FinancingReceivableAllowanceForCreditLossAdditionsReductions.

The official record: Synchrony Financial’s 10-Q, filed April 23, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Synchrony Financial's business segments — reserve build (release)?
Synchrony Financial (SYF) reported business segments — reserve build (release) of -$11M in Q1 2026.
How has Synchrony Financial's business segments — reserve build (release) changed year-over-year?
Synchrony Financial's business segments — reserve build (release) increased by 88.7% year-over-year, from -$97M to -$11M.
What does business segments — reserve build (release) mean?
The net change in the allowance for credit losses, reflecting management's assessment of future loan losses. A build increases the allowance, while a release reduces it, directly impacting the current period's earnings.