Synchrony Financial (SYF-PB) FCF Payout Ratio (2016 - 2026)

Synchrony Financial (SYF-PB) posted FCF Payout Ratio of 0.01 for Q1 2026, down 77.73% quarter-over-quarter from 0.04 in Q4 2025, and down 78.18% year-on-year from 0.04 in Q1 2025.

Synchrony Financial (SYF-PB) FCF Payout Ratio (2016 - 2026) Analysis & Trends

Synchrony Financial (SYF-PB) has reported FCF Payout Ratio for 11 consecutive years, with 0.01 the latest figure, recorded in Q1 2026.

  • FCF Payout Ratio for Q1 2026 came in at 0.01, down 78.18% year-over-year; the trailing twelve-month figure through Mar 2026 was 0.04 (up 422.07% YoY), and the FY2025 annual result was 0.04, up 492.87% from the prior year.
  • FCF Payout Ratio was 0.01 for Q1 2026 at Synchrony Financial, down from 0.04 in the prior quarter.
  • Over five years, FCF Payout Ratio peaked at 0.11 in Q3 2023 and troughed at 0.12 in Q3 2022.
  • Average FCF Payout Ratio over 5 years is 0.01, with a median of 0.04 recorded in 2024.
  • The widest YoY moves for FCF Payout Ratio: up 197.71% in 2023, down 2180.57% in 2023.
  • Over 5 years, FCF Payout Ratio stood at 0.01 in 2022, then sank by 2180.57% to 0.11 in 2023, then grew by 13.6% to 0.1 in 2024, then jumped by 144.38% to 0.04 in 2025, then slumped by 77.73% to 0.01 in 2026.
  • Per Business Quant data, the three most recent FCF Payout Ratio figures were 0.01 in Q1 2026, 0.04 in Q4 2025, and 0.11 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Cover (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 0.49
2 Mastercard 465.55 Bn 455.34 Bn - 0.28
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 0.22
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 0.14
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn -
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.02
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn -
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn -
10 Synchrony Financial - - - 0.01

Historic Data

Download Data
DateValue
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