Synchrony Financial (SYF) FCF Margin (2013 - 2026)

Synchrony Financial (SYF) has 14 years of FCF Margin data on file, last reported at 50.23% in Q2 2026.

• Quarterly FCF Margin fell 448.0% year-over-year to 50.23% in Q2 2026, while the trailing twelve-month figure through Jun 2026 was 49.71% (down 276.0% YoY) and the FY2025 annual result came in at 51.48%, up 99.0% from the prior year.
• FCF Margin improved to 50.23% in Q2 2026, from 45.0% in the prior quarter.
• In the past five years, FCF Margin ranged from a high of 57.84% in Q3 2024 to a low of 35.3% in Q1 2022.
• A 5-year average of 47.75% and a median of 48.37% in 2023 frame the typical range for FCF Margin.
• Annual changes were most pronounced in 2022 — FCF Margin sank 1591 bps — and 2023, when it jumped 1475 bps.
• Tracing SYF's FCF Margin over 5 years: stood at 43.16% in 2022, then increased by 15 bps to 49.42% in 2023, then climbed by 1 bps to 49.85% in 2024, then declined by 1 bps to 49.53% in 2025, then climbed by 1 bps to 50.23% in 2026.
• The last three FCF Margin figures came in at 50.23% (Q2 2026), 45.0% (Q1 2026), and 49.53% (Q4 2025), per Business Quant data.