Synchrony Financial (SYF) FCF Payout Ratio (2016 - 2026)
Synchrony Financial's (SYF) FCF Payout Ratio was 0.04 for Q3 2026, up 5.6% from 0.04 a year earlier and up 6.6% from the prior quarter.
Powered by 
Analysis
Synchrony Financial (SYF) FCF Payout Ratio (2016 - 2026) Analysis & Trends
Dating back to Q3 2016, Synchrony Financial's FCF Payout Ratio record includes 41 quarters.
- By year, FCF Payout Ratio came in at 0.04 in FY2024 (-14.5%), 0.05 in FY2023 (-27.1%), 0.06 in FY2022 (-7.9%) and 0.07 in FY2021 (+1.4%).
- Five-year quarterly FCF Payout Ratio spans a low of 0.04 in Q3 2024 and a high of 0.08 in Q1 2022.
- Year over year, FCF Payout Ratio gained in five of the last eight quarters, with growth averaging 3.5%.
- The high point for year-over-year FCF Payout Ratio in five years was Q1 2022 (growth of 17.3%); the low point was Q3 2023 (a decline of 37.2%).
- Per Business Quant data, the three quarters before Q3 2026 came in at 0.04 (Q2 2026), 0.05 (Q1 2026) and 0.04 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (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 | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | - |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 0.04 |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 0.14 |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | - |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | - |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 0.04 |
| Jun 30, 2026 | 0.04 |
| Mar 31, 2026 | 0.05 |
| Dec 31, 2025 | 0.04 |
| Sep 30, 2025 | 0.04 |
| Jun 30, 2025 | 0.04 |
| Mar 31, 2025 | 0.04 |
| Dec 31, 2024 | 0.04 |
| Sep 30, 2024 | 0.04 |
| Jun 30, 2024 | 0.04 |
| Mar 31, 2024 | 0.05 |
| Dec 31, 2023 | 0.04 |
| Sep 30, 2023 | 0.04 |
| Jun 30, 2023 | 0.05 |
| Mar 31, 2023 | 0.05 |
| Dec 31, 2022 | 0.06 |
| Sep 30, 2022 | 0.07 |
| Jun 30, 2022 | 0.06 |
| Mar 31, 2022 | 0.08 |
| Dec 31, 2021 | 0.06 |
API Access
Synchrony Financial FCF Payout Ratio 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-payout-ratio&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-payout-ratio", "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-payout-ratio&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();