Synchrony Financial (SYF) Cash from Operations (2013 - 2026)
Synchrony Financial's (SYF) quarterly Cash from Operations came in at $2.4 billion in Q2 2026, down 5.47% on a YoY basis from $2.6 billion in Q2 2025, and up 10.86% quarter-over-quarter from $2.2 billion in Q1 2026.
Analysis
Synchrony Financial (SYF) Cash from Operations (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported Cash from Operations for 14 consecutive years, with $2.4 billion the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Cash from Operations fell 5.47% year-over-year to $2.4 billion; the trailing twelve-month figure through Jun 2026 stood at $9.7 billion (down 1.84% YoY), and the FY2025 full-year result was $9.9 billion, changed 0.03% from the prior year.
- Cash from Operations advanced to $2.4 billion in Q2 2026 per SYF's latest filing, from $2.2 billion in the prior quarter.
- Across five years, Cash from Operations topped out at $2.8 billion in Q3 2024 and bottomed at $1.4 billion in Q1 2022.
- Historically, Cash from Operations has averaged $2.2 billion across 5 years, with a median of $2.3 billion in 2023.
- The sharpest annual moves came in 2022 and 2023: Cash from Operations slipped 24.09% in 2022, then surged 51.9% in 2023.
- Over 5 years, Cash from Operations stood at $1.8 billion in 2022, then grew by 25.45% to $2.3 billion in 2023, then gained by 1.55% to $2.4 billion in 2024, then increased by 4.29% to $2.5 billion in 2025, then retreated by 1.39% to $2.4 billion in 2026.
- According to Business Quant data, Cash from Operations over the past three periods registered $2.4 billion, $2.2 billion, and $2.5 billion for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Cash from Operations (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.42 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 296.16 Mn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 176.78 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 309.50 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -134.83 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 544.03 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 533.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 335.35 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 42.78 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 143.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.42 Bn |
| Mar 31, 2026 | 2.18 Bn |
| Dec 31, 2025 | 2.45 Bn |
| Sep 30, 2025 | 2.64 Bn |
| Jun 30, 2025 | 2.56 Bn |
| Mar 31, 2025 | 2.20 Bn |
| Dec 31, 2024 | 2.35 Bn |
| Sep 30, 2024 | 2.76 Bn |
| Jun 30, 2024 | 2.48 Bn |
| Mar 31, 2024 | 2.25 Bn |
| Dec 31, 2023 | 2.32 Bn |
| Sep 30, 2023 | 2.48 Bn |
| Jun 30, 2023 | 1.91 Bn |
| Mar 31, 2023 | 1.89 Bn |
| Dec 31, 2022 | 1.85 Bn |
| Sep 30, 2022 | 1.63 Bn |
| Jun 30, 2022 | 1.82 Bn |
| Mar 31, 2022 | 1.40 Bn |
| Dec 31, 2021 | 2.00 Bn |
| Sep 30, 2021 | 1.82 Bn |