Synchrony Financial (SYF) FCF Margin (2013 - 2026)
Synchrony Financial's (SYF) quarterly FCF Margin came in at 50.23% in Q2 2026, down 448.0% on a YoY basis from 14.43% in Q2 2025, and up 11.62% quarter-over-quarter from 45.0% in Q1 2026.
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Synchrony Financial (SYF) FCF Margin (2013 - 2026) Analysis & Trends
Synchrony Financial (SYF) has reported FCF Margin for 14 consecutive years, with 50.23% the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, FCF Margin fell 448.0% year-over-year to 50.23%; the trailing twelve-month figure through Jun 2026 stood at 49.71% (down 276.0% YoY), and the FY2025 full-year result was 51.41%, up 99.0% from the prior year.
- FCF Margin advanced to 50.23% in Q2 2026 per SYF's latest filing, from 45.0% in the prior quarter.
- Across five years, FCF Margin topped out at 57.84% in Q3 2024 and bottomed at 35.3% in Q1 2022.
- Historically, FCF Margin has averaged 47.75% across 5 years, with a median of 48.37% in 2023.
- The sharpest annual moves came in 2022 and 2023: FCF Margin slumped 1591 bps in 2022, then surged 1475 bps in 2023.
- Over 5 years, FCF Margin stood at 43.16% in 2022, then gained by 15 bps to 49.42% in 2023, then increased by 1 bps to 49.85% in 2024, then retreated by 1 bps to 49.53% in 2025, then increased by 1 bps to 50.23% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 50.23%, 45.0%, and 49.53% for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 50.23% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | -1,112.06% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 7.73% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 52.42% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -31.97% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 57.21% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 53.68% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 51.85% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 7.85% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 80.79% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 50.23% |
| Mar 31, 2026 | 45.00% |
| Dec 31, 2025 | 49.53% |
| Sep 30, 2025 | 54.05% |
| Jun 30, 2025 | 54.71% |
| Mar 31, 2025 | 47.32% |
| Dec 31, 2024 | 49.85% |
| Sep 30, 2024 | 57.84% |
| Jun 30, 2024 | 54.28% |
| Mar 31, 2024 | 40.42% |
| Dec 31, 2023 | 49.42% |
| Sep 30, 2023 | 54.54% |
| Jun 30, 2023 | 44.20% |
| Mar 31, 2023 | 44.52% |
| Dec 31, 2022 | 43.16% |
| Sep 30, 2022 | 39.79% |
| Jun 30, 2022 | 45.43% |
| Mar 31, 2022 | 35.30% |
| Dec 31, 2021 | 49.78% |
| Sep 30, 2021 | 47.70% |