Synchrony Financial (SYF) Change in Cash (2013 - 2026)
Synchrony Financial's (SYF) quarterly Change in Cash came in at -$3.4 billion in Q2 2026, down 34.63% YoY from -$5.1 billion in Q2 2025, and down 160.2% on a QoQ basis from $5.6 billion in Q1 2026.
Analysis
Synchrony Financial (SYF) Change in Cash (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has 14 years of Change in Cash data on file, last reported at -$3.4 billion in Q2 2026.
- Quarterly Change in Cash fell 34.63% year-over-year to -$3.4 billion in Q2 2026, while the trailing twelve-month figure through Jun 2026 was -$2.9 billion (down 296.19% YoY) and the FY2025 annual result came in at $262.0 million, down 21.56% from the prior year.
- Change in Cash eased to -$3.4 billion in Q2 2026, from $5.6 billion in the prior quarter.
- In the past five years, Change in Cash ranged from a high of $7.9 billion in Q1 2025 to a low of -$3.9 billion in Q3 2025.
- A 5-year average of $475.2 million and a median of -$984.5 million in 2024 frame the typical range for Change in Cash.
- Annual changes were most pronounced in 2022 — Change in Cash soared 238.31% — and 2023, when it tumbled 2187.31%.
- Tracing SYF's Change in Cash over 5 years: stood at -$2.6 billion in 2022, then surged by 47.59% to -$1.4 billion in 2023, then plunged by 134.01% to -$3.2 billion in 2024, then jumped by 60.64% to -$1.3 billion in 2025, then sank by 164.8% to -$3.4 billion in 2026.
- The last three Change in Cash figures came in at -$3.4 billion (Q2 2026), $5.6 billion (Q1 2026), and -$1.3 billion (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Cash (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 62.00 Mn |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 3.21 Bn |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | -8.51 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | -23.38 Bn |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | -470.00 Mn |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | -41.26 Mn |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | -3.36 Bn |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | -195.69 Mn |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | -1.61 Bn |
| 10 | FirstCash Holdings | 9.51 Bn | 9.34 Bn | 533.67 Mn | 41.56 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -3.36 Bn |
| Mar 31, 2026 | 5.59 Bn |
| Dec 31, 2025 | -1.27 Bn |
| Sep 30, 2025 | -3.89 Bn |
| Jun 30, 2025 | -2.50 Bn |
| Mar 31, 2025 | 7.92 Bn |
| Dec 31, 2024 | -3.23 Bn |
| Sep 30, 2024 | -699.00 Mn |
| Jun 30, 2024 | -1.39 Bn |
| Mar 31, 2024 | 5.65 Bn |
| Dec 31, 2023 | -1.38 Bn |
| Sep 30, 2023 | 2.95 Bn |
| Jun 30, 2023 | -3.07 Bn |
| Mar 31, 2023 | 5.49 Bn |
| Dec 31, 2022 | -2.63 Bn |
| Sep 30, 2022 | 2.27 Bn |
| Jun 30, 2022 | -134.00 Mn |
| Mar 31, 2022 | 2.24 Bn |
| Dec 31, 2021 | -1.21 Bn |
| Sep 30, 2021 | -1.64 Bn |