Want to see SYF full AI Analyst Report?
Average Active Accounts
Counts the number of customer accounts that are actively used over a period. Growth in active accounts indicates expanding reach and more opportunities for interest and fee income, while declines or stagnation can warn of weakening customer engagement or market share loss.Average active accounts peaked in early‑2024 then drifted downward for several quarters with only a modest late‑2025 rebound, suggesting slower reactivation after prior credit tightening rather than a demand collapse. Management points to accelerating originations and new program additions (including the Lowe’s commercial co‑brand) as the catalyst to reverse the trend, but elevated payment rates and near‑term Q2 charge‑off seasonality mean converting originations into durable active accounts — and sustainable NII upside — is not assured; monitor retention in Home & Auto as a canary.
Date | Average Active Accounts |
|---|---|
Jun 30, 2026 | 68.30M |
Mar 31, 2026 | 68.81M |
Dec 31, 2025 | 69.30M |
Sep 30, 2025 | 68.32M |
Jun 30, 2025 | 68.05M |
Mar 31, 2025 | 69.31M |
Dec 31, 2024 | 70.30M |
Sep 30, 2024 | 70.42M |
Jun 30, 2024 | 70.97M |
Mar 31, 2024 | 71.67M |