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| Date | Value |
|---|---|
| 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 |