Friday 6 November 2026 Export SYF’s income statement to Excel — free account

Synchrony Financial

Synchrony Financial’s revenue for fiscal 2025 (year ended December 2025) was $23.1 billion, down 4.32% from fiscal 2024.

Revenue: +0.60%
EPS: −6.23%
Free cash flow: −5.27%
Total debt: +18.0%

Quarter to September 2026, against a year earlier

74.87 0.80 +1.08%

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Market cap: $23.1B
P/E: 7.7×
Fwd P/E: 7.9×
Dividend yield: 1.72%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

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Synchrony Financial (SYF) Price to free cash flow

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As of 5 November 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 37% of that period. That is in line with the Credit Services industry median of 2.5× and below the Financial sector median of 9.7×.

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<iframe src="https://stockrow.com/embed/SYF/price-to-free-cash-flow" width="100%" height="360" style="border:0" loading="lazy" title="Synchrony Financial price to free cash flow, 10 years"></iframe>
<p style="font-size:12px">Source: <a href="https://stockrow.com/SYF/metrics/price-to-free-cash-flow">Synchrony Financial (SYF) price to free cash flow — stockrow.com</a></p>

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%

Period	Price to free cash flow	Change
Sep 2026	2.4×	(8.84%)
Jun 2026	2.6×	9.75%
Mar 2026	2.4×	(24.40%)
Dec 2025	3.1×	17.49%
43 more quarters	Free account

Against its own ten years

Low 1.0× High 5.6×

Ten-year median 2.7×

Current reading's percentile 37

Company	Price to free cash flow
KLAR Klarna Group plc compare	n/m
SOFI SoFi Technologies, Inc. compare	n/m
OMF OneMain Holdings, Inc. compare	2.0×
ALLY Ally Financial Inc. compare	2.4×
SYF Synchrony Financial	2.5×
CACC Credit Acceptance Corporation compare	4.3×
PYPL PayPal Holdings, Inc. compare	7.9×
FCFS FirstCash Holdings, Inc. compare	15.6×
AFRM Affirm Holdings, Inc. compare	29.2×
Credit Services industry median	2.5×
Financial sector median	9.7×
Market median	14.1×

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)))

The full definition of Price to free cash flow →

Synchrony Financial (SYF) Price to free cash flow

Price to free cash flow, daily

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Against its own ten years

Price to free cash flow against peers

What Price to free cash flow is

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Price to free cash flow, daily

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Against its own ten years

Price to free cash flow against peers

What Price to free cash flow is

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