Synchrony Financial (SYF) Change in Cash (2013 - 2026)
Synchrony Financial posted quarterly Change in Cash of $5.6 billion for Q1 2026, down 29.49% year-on-year from $7.9 billion in Q1 2025, and up 539.84% on a QoQ basis from -$1.3 billion in Q4 2025.
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 $5.6 billion in Q1 2026.
- For the quarter ending Q1 2026, Change in Cash fell 29.49% year-over-year to $5.6 billion; the trailing twelve-month figure through Mar 2026 stood at -$2.1 billion (down 179.59% YoY), and the FY2025 full-year result was $262.0 million, down 21.56% from the prior year.
- Change in Cash for Q1 2026 stood at $5.6 billion, up from -$1.3 billion in the prior quarter.
- Across five years, Change in Cash topped out at $7.9 billion in Q1 2025 and bottomed at -$3.9 billion in Q3 2025.
- The 5-year median for Change in Cash is -$699.0 million (2024), against an average of $701.0 million.
- The widest annual swing landed in 2022, when Change in Cash soared 238.31%; it then sank 2187.31% in 2023.
- A 5-year view of Change in Cash shows it stood at -$2.6 billion in 2022, then soared by 47.59% to -$1.4 billion in 2023, then tumbled by 134.01% to -$3.2 billion in 2024, then surged by 60.64% to -$1.3 billion in 2025, then soared by 539.84% to $5.6 billion in 2026.
- The last three Change in Cash figures came in at $5.6 billion (Q1 2026), -$1.3 billion (Q4 2025), and -$3.9 billion (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Cash (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | -4.47 Bn |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | -2.48 Bn |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 5.97 Bn |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 17.16 Bn |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | -1.58 Bn |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 379.73 Mn |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 5.59 Bn |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | -1.60 Bn |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | -580.00 Mn |
| 10 | Credit Acceptance | 6.46 Bn | 6.44 Bn | 562.70 Mn | 1.90 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 |
| Jun 30, 2021 | -5.56 Bn |