Synchrony Financial (SYF-PA) FCF Payout Ratio (2016 - 2026)
Synchrony Financial (SYF-PA) reported FCF Payout Ratio of 0.01 for Q1 2026, down 78.18% on a YoY basis from 0.04 in Q1 2025, and down 77.73% quarter-over-quarter from 0.04 in Q4 2025.
Synchrony Financial (SYF-PA) FCF Payout Ratio (2016 - 2026) Analysis & Trends
Synchrony Financial has reported FCF Payout Ratio for 11 years, with the latest figure at 0.01 in Q1 2026.
- For the quarter ending Q1 2026, FCF Payout Ratio fell 78.18% year-over-year to 0.01; the trailing twelve-month figure through Mar 2026 stood at 0.04 (up 422.07% YoY), and the FY2025 full-year result was 0.04, up 492.87% from the prior year.
- FCF Payout Ratio for Q1 2026 stood at 0.01, down from 0.04 in the prior quarter.
- The five-year high for FCF Payout Ratio was 0.11 in Q3 2023, with the low at 0.12 in Q3 2022.
- Historically, FCF Payout Ratio has averaged 0.01 across 5 years, with a median of 0.04 in 2024.
- The largest YoY upside for FCF Payout Ratio was 197.71% in 2023 against a maximum downside of 2180.57% in 2023.
- Synchrony Financial's FCF Payout Ratio stood at 0.01 in 2022, then slumped by 2180.57% to 0.11 in 2023, then gained by 13.6% to 0.1 in 2024, then jumped by 144.38% to 0.04 in 2025, then tumbled by 77.73% to 0.01 in 2026.
- The last three FCF Payout Ratio figures came in at 0.01 (Q1 2026), 0.04 (Q4 2025), and 0.11 (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 0.49 |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 0.28 |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 0.22 |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 0.09 |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 0.14 |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 0.01 |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | - |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | - |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.02 |
| 10 | Synchrony Financial | - | - | - | 0.01 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.01 |
| Dec 31, 2025 | 0.04 |
| Sep 30, 2025 | 0.11 |
| Jun 30, 2025 | -0.02 |
| Mar 31, 2025 | 0.04 |
| Dec 31, 2024 | -0.10 |
| Sep 30, 2024 | 0.04 |
| Jun 30, 2024 | 0.04 |
| Mar 31, 2024 | 0.05 |
| Dec 31, 2023 | -0.11 |
| Sep 30, 2023 | 0.11 |
| Jun 30, 2023 | -0.04 |
| Mar 31, 2023 | 0.05 |
| Dec 31, 2022 | 0.01 |
| Sep 30, 2022 | -0.12 |
| Jun 30, 2022 | 0.06 |
| Mar 31, 2022 | 0.08 |
| Dec 31, 2021 | 0.06 |
| Sep 30, 2021 | 0.07 |
| Jun 30, 2021 | 0.09 |