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Net Interest Margin
Measures the gap between interest earned on loans and interest paid on funding, expressed relative to the asset base. For Synchrony, a higher margin means its credit and card lending are more profitable, while a shrinking margin can signal pressure from rising funding costs, competitive pricing, or changes in the loan mix.After a mid‑cycle dip, Synchrony’s margin has re‑expanded into its prior high range—driven, per management, by higher loan yields (including newer PPPC/co‑brand balances) and lower funding costs—supporting guidance for net interest income growth. That upside is mix‑dependent: rising payment rates, seasonally peaking charge‑offs, and slower receivables growth temper sustainability, so future margin gains look tied to continued funding improvements and portfolio composition rather than broad-based organic loan growth.
Date | Net Interest Margin |
|---|---|
Jun 30, 2026 | 15.08 |
Mar 31, 2026 | 15.50 |
Dec 31, 2025 | 15.83 |
Sep 30, 2025 | 15.62 |
Jun 30, 2025 | 14.78 |
Mar 31, 2025 | 14.74 |
Dec 31, 2024 | 15.01 |
Sep 30, 2024 | 15.04 |
Jun 30, 2024 | 14.46 |
Mar 31, 2024 | 14.55 |