Synchrony Financial (SYF) EV to FCF (2014 - 2026)
Synchrony Financial's EV to FCF came in at 0.65 for Q3 2026, down 32.7% from 0.96 a year earlier and down 26.6% from the prior quarter.
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Analysis
Synchrony Financial (SYF) EV to FCF (2014 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Synchrony Financial reported EV to FCF of -4.77; for FY2025, it came in at 1.42, up 32.7% from FY2024.
- Going back by year, EV to FCF was 1.07 in FY2024 (+617.8%), 0.15 in FY2023 (-75.7%), 0.61 in FY2022 (-73.0%) and 2.27 in FY2021 (+94.2%).
- The five-year range for quarterly EV to FCF is -0.40 (Q1 2023) to 2.27 (Q4 2021).
- Year-over-year, EV to FCF increased in four of the last five quarters, with growth averaging 242.9%.
- The fastest year-over-year change in EV to FCF over five years came in Q4 2024 (growth of 617.8%), and the weakest in Q2 2024 (a decline of 99.3%).
- Business Quant data shows SYF's EV to FCF at 0.88 (Q2 2026), 0.24 (Q1 2026) and 1.42 (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Rocket Companies | 44.05 Bn | 29.73 Bn | - |
| 2 | Orix | 40.96 Bn | 10.18 Bn | 12.74 Bn |
| 3 | Royalty Pharma | 36.72 Bn | 36.63 Bn | - |
| 4 | Affirm Holdings | 23.63 Bn | 17.32 Bn | - |
| 5 | Federal National Mortgage Association Fannie Mae | 23.47 Bn | 23.47 Bn | - |
| 6 | Synchrony Financial | 22.90 Bn | -44.72 Bn | - |
| 7 | Royal Gold | 19.26 Bn | 18.48 Bn | 390.45 Mn |
| 8 | Annaly Capital Management | 13.77 Bn | 4.86 Bn | - |
| 9 | Ares Capital | 13.38 Bn | 10.82 Bn | - |
| 10 | Federal Home Loan Mortgage | 12.16 Bn | -6.58 Bn | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 0.65 |
| Jun 30, 2026 | 0.88 |
| Mar 31, 2026 | 0.24 |
| Dec 31, 2025 | 1.42 |
| Sep 30, 2025 | 0.96 |
| Jun 30, 2025 | 0.54 |
| Mar 31, 2025 | -0.15 |
| Dec 31, 2024 | 1.07 |
| Sep 30, 2024 | 0.15 |
| Jun 30, 2024 | 0.00 |
| Mar 31, 2024 | -0.30 |
| Dec 31, 2023 | 0.15 |
| Sep 30, 2023 | -0.37 |
| Jun 30, 2023 | 0.20 |
| Mar 31, 2023 | -0.40 |
| Dec 31, 2022 | 0.61 |
| Sep 30, 2022 | 0.14 |
| Jun 30, 2022 | 0.40 |
| Mar 31, 2022 | 1.06 |
| Dec 31, 2021 | 2.27 |
API Access
Synchrony Financial EV to FCF API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ev-to-fcf&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ev-to-fcf", "ticker": "SYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ev-to-fcf&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();