Synchrony Financial (SYF) FCF Margin (2013 - 2026)
Synchrony Financial (SYF) recorded FCF Margin of 50.83% in Q3 2026, down 3.57 percentage points from 54.40% a year earlier and down 0.17 percentage points from the prior quarter.
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Analysis
Synchrony Financial (SYF) FCF Margin (2013 - 2026) Analysis & Trends
On a TTM basis, Synchrony Financial's FCF Margin came in at 49.47% as of Sep 30, 2026, down 2.34 percentage points year-over-year; for FY2025, it came in at 51.89%, up 1.47 percentage points from FY2024.
- Annual FCF Margin has increased for three straight years, with a five-year change of +1.32 percentage points (FY2020 to FY2025).
- Across earlier years, FCF Margin came in at 50.42% in FY2024 (+0.71 pp), 49.70% in FY2023 (+7.88 pp), 41.82% in FY2022 (-6.40 pp) and 48.23% in FY2021 (-2.34 pp).
- Quarterly FCF Margin has ranged from 35.82% in Q1 2022 to 58.44% in Q3 2024 over the past five years.
- On a year-over-year basis, FCF Margin has declined for three consecutive quarters, with an average year-over-year change of -0.88 percentage points over the last eight quarters.
- Peak year-over-year performance for FCF Margin in the last five years was a gain of 14.59 percentage points in Q3 2023, against a drop of 15.69 percentage points in Q1 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 51.00% (Q2 2026), 45.78% (Q1 2026) and 50.21% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 40.99 Bn | 9.71 Bn | 12.74 Bn | - |
| 2 | Rocket Companies | 35.89 Bn | 35.89 Bn | - | - |
| 3 | Royalty Pharma | 29.95 Bn | 26.91 Bn | - | 108.06% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 10.46% |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 19.67% |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 50.83% |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 63.28% |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | 332.74% |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | 137.88% |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 50.83% |
| Jun 30, 2026 | 51.00% |
| Mar 31, 2026 | 45.78% |
| Dec 31, 2025 | 50.21% |
| Sep 30, 2025 | 54.40% |
| Jun 30, 2025 | 55.18% |
| Mar 31, 2025 | 47.69% |
| Dec 31, 2024 | 49.85% |
| Sep 30, 2024 | 58.44% |
| Jun 30, 2024 | 54.93% |
| Mar 31, 2024 | 40.42% |
| Dec 31, 2023 | 51.07% |
| Sep 30, 2023 | 55.73% |
| Jun 30, 2023 | 45.64% |
| Mar 31, 2023 | 45.82% |
| Dec 31, 2022 | 44.66% |
| Sep 30, 2022 | 41.14% |
| Jun 30, 2022 | 45.43% |
| Mar 31, 2022 | 35.82% |
| Dec 31, 2021 | 50.14% |
API Access
Synchrony Financial FCF Margin 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=fcf-margin&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "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=fcf-margin&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();