Synchrony Financial (SYF-PB) Net Cash Flow (2013 - 2026)

Synchrony Financial (SYF-PB) posted Net Cash Flow of $5.6 billion for Q1 2026, up 539.84% quarter-over-quarter from -$1.3 billion in Q4 2025, and down 29.49% year-on-year from $7.9 billion in Q1 2025.

Synchrony Financial (SYF-PB) Net Cash Flow (2013 - 2026) Analysis & Trends

Synchrony Financial (SYF-PB) has reported Net Cash Flow for 14 consecutive years, with $5.6 billion the latest figure, recorded in Q1 2026.

  • Net Cash Flow for Q1 2026 came in at $5.6 billion, down 29.49% year-over-year; the trailing twelve-month figure through Mar 2026 was -$2.1 billion (down 179.59% YoY), and the FY2025 annual result was $262.0 million, down 21.56% from the prior year.
  • Net Cash Flow was $5.6 billion for Q1 2026 at Synchrony Financial, up from -$1.3 billion in the prior quarter.
  • Over five years, Net Cash Flow peaked at $7.9 billion in Q1 2025 and troughed at -$3.9 billion in Q3 2025.
  • Average Net Cash Flow over 5 years is $701.0 million, with a median of -$699.0 million recorded in 2024.
  • Year-over-year, Net Cash Flow surged 238.31% in 2022 and sank 2187.31% in 2023.
  • Over 5 years, Net Cash Flow stood at -$2.6 billion in 2022, then surged by 47.59% to -$1.4 billion in 2023, then tumbled by 134.01% to -$3.2 billion in 2024, then jumped by 60.64% to -$1.3 billion in 2025, then surged by 539.84% to $5.6 billion in 2026.
  • Per Business Quant data, the three most recent Net Cash Flow figures were $5.6 billion in Q1 2026, -$1.3 billion in Q4 2025, and -$3.9 billion in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) NCF (Qtr)
1 Visa 587.74 Bn 575.34 Bn - -4.28 Bn
2 Mastercard 465.55 Bn 455.34 Bn - -2.37 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 5.91 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn -1.53 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 383.32 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -1.59 Bn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn -577.00 Mn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 1.90 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn -56.65 Mn
10 Synchrony Financial - - - 5.59 Bn

Historic Data

Download Data
DateValue
Mar 31, 2026 5.59 Bn
Mar 31, 2026 5.59 Bn
Dec 31, 2025 -1.27 Bn
Dec 31, 2025 -1.27 Bn
Sep 30, 2025 -3.89 Bn
Sep 30, 2025 -3.89 Bn
Jun 30, 2025 -2.50 Bn
Jun 30, 2025 -2.50 Bn
Mar 31, 2025 7.92 Bn
Mar 31, 2025 7.92 Bn
Dec 31, 2024 -3.23 Bn
Dec 31, 2024 -3.23 Bn
Sep 30, 2024 -699.00 Mn
Sep 30, 2024 -699.00 Mn
Jun 30, 2024 -1.39 Bn
Jun 30, 2024 -1.39 Bn
Mar 31, 2024 5.65 Bn
Mar 31, 2024 5.65 Bn
Dec 31, 2023 -1.38 Bn
Dec 31, 2023 -1.38 Bn