Synchrony Financial SYF
72.94
1.39
1.94%
as of 25 Sep
- Market cap
- $23.3B
- P/E
- 7.4×
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Synchrony Financial (SYF) Free cash flow
Synchrony Financial's free cash flow for fiscal 2025 was $9.9B, unchanged from fiscal 2024. Over the twelve months to 30 June 2026 it was $9.7B. Over the past ten years it has ranged from $6.2B (fiscal 2015) to $9.9B (fiscal 2025) — the current reading is the highest in ten years. Free cash flow has risen for 3 consecutive fiscal years. Synchrony Financial ranks 5th of 54 Credit Services companies by free cash flow.
Free cash flow, annual
Annual
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | $9.9B | 0.03% |
| FY2024 | $9.8B | 14.60% |
| FY2023 | $8.6B | 28.37% |
| FY2022 | $6.7B | (5.71%) |
| FY2021 | $7.1B | (5.18%) |
| FY2020 | $7.5B | (16.72%) |
| FY2019 | $9.0B | (3.77%) |
| FY2018 | $9.3B | 8.94% |
| FY2017 | $8.6B | 31.70% |
| FY2016 | $6.5B | 5.29% |
Quarterly
| Period | Free cash flow | Change |
|---|---|---|
| Jun 2026 | $2.4B | 10.86% |
| Mar 2026 | $2.2B | (11.04%) |
| Dec 2025 | $2.5B | (6.94%) |
| Sep 2025 | $2.6B | 3.01% |
| 42 more quarters | Free account |
Against its own ten years
Low $6.2B
High $9.9B
Ten-year median
$8.6B
Current reading's percentile
100
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| SYF Synchrony Financial | $9.7B |
| PYPL PayPal Holdings, Inc. compare | $6.6B |
| ALLY Ally Financial Inc. compare | $4.6B |
| OMF OneMain Holdings, Inc. compare | $3.2B |
| CACC Credit Acceptance Corporation compare | $1.2B |
| AFRM Affirm Holdings, Inc. compare | $992.6M |
| FCFS FirstCash Holdings, Inc. compare | $531.9M |
| KLAR Klarna Group plc compare | −$3.8B |
| SOFI SoFi Technologies, Inc. compare | −$8.8B |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
More on SYF
- Revenue
- Net income
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- EV/EBITDA
- EV/Sales
- 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
- The full statement