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

Synchrony Financial (SYF-PB) 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-PB) 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
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