Synchrony Financial (SYF-PB) Free Cash Flow (2013 - 2026)
Synchrony Financial (SYF-PB) posted Free Cash Flow of $2.2 billion for Q1 2026, down 11.04% quarter-over-quarter from $2.5 billion in Q4 2025, and down 0.77% year-on-year from $2.2 billion in Q1 2025.
Synchrony Financial (SYF-PB) Free Cash Flow (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF-PB) has reported Free Cash Flow for 14 consecutive years, with $2.2 billion the latest figure, recorded in Q1 2026.
- Free Cash Flow for Q1 2026 came in at $2.2 billion, down 0.77% year-over-year; the trailing twelve-month figure through Mar 2026 was $9.8 billion (changed 0.35% YoY), and the FY2025 annual result was $9.9 billion, changed 0.03% from the prior year.
- Free Cash Flow was $2.2 billion for Q1 2026 at Synchrony Financial, down from $2.5 billion in the prior quarter.
- Over five years, Free Cash Flow peaked at $2.8 billion in Q3 2024 and troughed at $1.4 billion in Q1 2022.
- Average Free Cash Flow over 5 years is $2.2 billion, with a median of $2.2 billion recorded in 2024.
- Year-over-year, Free Cash Flow dropped 24.09% in 2022 and soared 51.9% in 2023.
- Over 5 years, Free Cash Flow stood at $1.8 billion in 2022, then increased by 25.45% to $2.3 billion in 2023, then advanced by 1.55% to $2.4 billion in 2024, then rose by 4.29% to $2.5 billion in 2025, then retreated by 11.04% to $2.2 billion in 2026.
- Per Business Quant data, the three most recent Free Cash Flow figures were $2.2 billion in Q1 2026, $2.5 billion in Q4 2025, and $2.6 billion in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 2.63 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 2.82 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 2.66 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 903.00 Mn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 22.68 Bn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -2.38 Bn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 1.37 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 268.90 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 66.48 Mn |
| 10 | Synchrony Financial | - | - | - | 2.18 Bn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 2.18 Bn |
| Mar 31, 2026 | 2.18 Bn |
| Dec 31, 2025 | 2.45 Bn |
| Dec 31, 2025 | 2.45 Bn |
| Sep 30, 2025 | 2.64 Bn |
| Sep 30, 2025 | 2.64 Bn |
| Jun 30, 2025 | 2.56 Bn |
| Jun 30, 2025 | 2.56 Bn |
| Mar 31, 2025 | 2.20 Bn |
| Mar 31, 2025 | 2.20 Bn |
| Dec 31, 2024 | 2.35 Bn |
| Dec 31, 2024 | 2.35 Bn |
| Sep 30, 2024 | 2.76 Bn |
| Sep 30, 2024 | 2.76 Bn |
| Jun 30, 2024 | 2.48 Bn |
| Jun 30, 2024 | 2.48 Bn |
| Mar 31, 2024 | 2.25 Bn |
| Mar 31, 2024 | 2.25 Bn |
| Dec 31, 2023 | 2.32 Bn |
| Dec 31, 2023 | 2.32 Bn |