Synchrony Financial
Synchrony Financial’s revenue for fiscal 2025 (year ended December 2025) was $23.1 billion, down 4.32% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 3.98%, free cash flow fell 5.47% and total debt rose 2.64%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years, operating cash flow growth for three.
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Synchrony Financial (SYF) Free cash flow margin
Synchrony Financial's free cash flow margin over the twelve months to 30 June 2026 was 41.8%, down 0.8 percentage points from fiscal 2025 (42.6%). Over the past ten years it has ranged from 38.2% (fiscal 2022) to 51.4% (fiscal 2017); the current reading is higher than 36% of that period. That is above the Credit Services industry median of 12.9% and above the Financial sector median of 14.7%.
Free cash flow margin, annual
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Annual newest first
| Period | Free cash flow margin | Change (points) |
|---|---|---|
| FY2025 | 42.6% | 1.86 |
| FY2024 | 40.8% | (0.17) |
| FY2023 | 40.9% | 2.73 |
| FY2022 | 38.2% | (6.88) |
| FY2021 | 45.1% | (0.38) |
| FY2020 | 45.5% | (0.74) |
| FY2019 | 46.2% | (4.99) |
| FY2018 | 51.2% | (0.18) |
| FY2017 | 51.4% | 8.30 |
| FY2016 | 43.1% | (2.34) |
Against its own ten years
Free cash flow margin against peers
| Company | Free cash flow margin |
|---|---|
| CACC Credit Acceptance Corporation compare | 52.4% |
| OMF OneMain Holdings, Inc. compare | 50.7% |
| SYF Synchrony Financial | 41.8% |
| ALLY Ally Financial Inc. compare | 28.8% |
| AFRM Affirm Holdings, Inc. compare | 23.3% |
| PYPL PayPal Holdings, Inc. compare | 19.4% |
| FCFS FirstCash Holdings, Inc. compare | 12.9% |
| KLAR Klarna Group plc compare | −94.3% |
| SOFI SoFi Technologies, Inc. compare | −157.6% |
| Credit Services industry median | 12.9% |
| Financial sector median | 14.7% |
| Market median | 0.00% |
What Free cash flow margin is
Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.
(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue
More on SYF
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement