Business Segments · Reserve build (release)
Business Segments — Reserve build (release)
Synchrony Financial Business Segments — Reserve build (release) increased by 92.8% to -$11.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 88.7%, from -$97.00M to -$11.00M.
Analysis
StatementSegment
CategoryRisk
SignalContext dependent
VolatilityVolatile
First reportedQ1 2022
Last reportedQ1 2026
How to read this metric
A reserve build signals expected future credit deterioration, while a release signals improved credit quality or a more optimistic economic outlook.
Detailed definition
The net change in the allowance for credit losses, reflecting management's assessment of future loan losses. A build inc...
Peer comparison
Standard 'Provision for Loan Losses' adjustment in banking.
Metric ID:
syf_segment_synchrony_segment_reserve_build_releaseHistorical Data
15 periods
| Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $209.75M | $209.75M | $209.75M | $209.75M | $336.25M | $336.25M | $336.25M | $336.25M | $299.00M | $70.00M | $44.00M | -$97.00M | -$265.00M | -$152.00M | -$11.00M |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +60.3% | +0.0% | +0.0% | +0.0% | -11.1% | -76.6% | -37.1% | -320.5% | -173.2% | +42.6% | +92.8% |
| YoY Change | — | — | — | — | +60.3% | +60.3% | +60.3% | +60.3% | -11.1% | -79.2% | -86.9% | -132.4% | -478.6% | -445.5% | +88.7% |
Range-$265.00M – $336.25M
CAGR-56.9%
Avg YoY Growth-82.2%
Median YoY Growth-11.1%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is Synchrony Financial's business segments — reserve build (release)?
- Synchrony Financial (SYF) reported business segments — reserve build (release) of -$11.00M 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 -$97.00M to -$11.00M.
- What does business segments — reserve build (release) mean?
- The net adjustment to the provision for future loan losses.