Synchrony Financial SYF
- Market cap
- $23.3B
- P/E
- 7.4×
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Synchrony Financial (SYF) Price to free cash flow
As of 25 September 2026, Synchrony Financial (SYF) trades at a price to free cash flow of 2.5×. Over the past ten years it has ranged from 1.0× (March 2020) to 5.6× (July 2015); the current reading is higher than 38% of that period. That is below the Credit Services industry median of 3.0× and below the Financial sector median of 10.0×.
Price to free cash flow, daily
Annual
| Period | Price to free cash flow | Change |
|---|---|---|
| FY2025 | 3.1× | 19.71% |
| FY2024 | 2.6× | 40.65% |
| FY2023 | 1.9× | (19.95%) |
| FY2022 | 2.3× | (37.00%) |
| FY2021 | 3.7× | 35.12% |
| FY2020 | 2.7× | 1.72% |
| FY2019 | 2.7× | 44.01% |
| FY2018 | 1.9× | (48.30%) |
| FY2017 | 3.6× | (23.61%) |
| FY2016 | 4.7× | 15.11% |
Quarterly
| Period | Price to free cash flow | Change |
|---|---|---|
| Jun 2026 | 2.6× | 9.75% |
| Mar 2026 | 2.4× | (24.40%) |
| Dec 2025 | 3.1× | 17.49% |
| Sep 2025 | 2.7× | 4.88% |
| 42 more quarters | Free account |
Against its own ten years
Price to free cash flow against peers
| Company | Price to free cash flow |
|---|---|
| SOFI SoFi Technologies, Inc. compare | n/m |
| KLAR Klarna Group plc compare | n/m |
| OMF OneMain Holdings, Inc. compare | 2.0× |
| SYF Synchrony Financial | 2.5× |
| ALLY Ally Financial Inc. compare | 2.6× |
| CACC Credit Acceptance Corporation compare | 4.8× |
| PYPL PayPal Holdings, Inc. compare | 7.3× |
| FCFS FirstCash Holdings, Inc. compare | 17.9× |
| AFRM Affirm Holdings, Inc. compare | 24.2× |
| Credit Services industry median | 3.0× |
| Financial sector median | 10.0× |
| Market median | 14.0× |
What Price to free cash flow is
Price to Free Cash Flow Ratio shows how much investors pay for each dollar of cash a company generates after its capital spending.
Stock Price ÷ ((Operating Cash Flow (TTM) + Property, Plant, Equipment Change (Net) (TTM) + Intangible Assets Change (Net) (TTM)) ÷ (Shares (Basic, Weighted) (latest quarter)))
More on SYF
- Revenue
- Net income
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- 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