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

Synchrony Financial has reported FCF Margin for 14 years, with the latest figure at 45.78% in Q1 2026.

• For the quarter ending Q1 2026, FCF Margin fell 191.0% year-over-year to 45.78%; the trailing twelve-month figure through Mar 2026 stood at 51.38% (down 136.0% YoY), and the FY2025 full-year result was 51.89%, up 147.0% from the prior year.
• FCF Margin for Q1 2026 stood at 45.78%, down from 50.21% in the prior quarter.
• The five-year high for FCF Margin was 58.44% in Q3 2024, with the low at 34.41% in Q1 2022.
• Historically, FCF Margin has averaged 48.14% across 5 years, with a median of 49.85% in 2024.
• Annual changes were most pronounced in 2022 — FCF Margin sank 1710 bps — and 2023, when it soared 1778 bps.
• Synchrony Financial's FCF Margin stood at 53.66% in 2022, then slipped by 5 bps to 51.07% in 2023, then retreated by 2 bps to 49.85% in 2024, then rose by 1 bps to 50.21% in 2025, then decreased by 9 bps to 45.78% in 2026.
• The last three FCF Margin figures came in at 45.78% (Q1 2026), 50.21% (Q4 2025), and 54.4% (Q3 2025), per Business Quant data.