Synchrony Financial (SYF) FCF Payout Ratio (2016 - 2026)

Synchrony Financial posted quarterly FCF Payout Ratio of 0.01 for Q1 2026, down 78.18% year-on-year from 0.04 in Q1 2025, and down 77.73% on a QoQ basis from 0.04 in Q4 2025.

Synchrony Financial (SYF) FCF Payout Ratio (2016 - 2026) Analysis & Trends

Synchrony Financial (SYF) has 11 years of FCF Payout Ratio data on file, last reported at 0.01 in Q1 2026.

  • For the quarter ending Q1 2026, FCF Payout Ratio fell 78.18% year-over-year to 0.01; the trailing twelve-month figure through Mar 2026 stood at 0.04 (up 422.07% YoY), and the FY2025 full-year result was 0.04, up 492.87% from the prior year.
  • FCF Payout Ratio for Q1 2026 stood at 0.01, down from 0.04 in the prior quarter.
  • Across five years, FCF Payout Ratio topped out at 0.11 in Q3 2023 and bottomed at 0.12 in Q3 2022.
  • The 5-year median for FCF Payout Ratio is 0.04 (2024), against an average of 0.01.
  • Peak annual rise in FCF Payout Ratio reached 197.71% in 2023, while the deepest fall reached 2180.57% in 2023.
  • A 5-year view of FCF Payout Ratio shows it stood at 0.01 in 2022, then sank by 2180.57% to 0.11 in 2023, then advanced by 13.6% to 0.1 in 2024, then surged by 144.38% to 0.04 in 2025, then slumped by 77.73% to 0.01 in 2026.
  • The last three FCF Payout Ratio figures came in at 0.01 (Q1 2026), 0.04 (Q4 2025), and 0.11 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Cover (Qtr)
1 Visa 539.53 Bn 527.13 Bn - 0.49
2 Mastercard 441.81 Bn 431.60 Bn - 0.28
3 American Express 215.01 Bn 160.96 Bn 17.43 Bn 0.22
4 Capital One Financial 114.99 Bn 38.50 Bn - 0.09
5 PayPal Holdings 41.29 Bn 31.95 Bn 7.84 Bn 0.14
6 Affirm Holdings 24.62 Bn 22.89 Bn 261.64 Mn -
7 Synchrony Financial 24.22 Bn 3.66 Bn - 0.01
8 SoFi Technologies 23.71 Bn 20.31 Bn 929.25 Mn -
9 Ally Financial 13.13 Bn 12.69 Bn 1.98 Bn 0.02
10 Credit Acceptance 6.46 Bn 6.44 Bn 562.70 Mn -

Historic Data

Download Data
DateValue
Mar 31, 2026 0.01
Dec 31, 2025 0.04
Sep 30, 2025 0.11
Jun 30, 2025 -0.02
Mar 31, 2025 0.04
Dec 31, 2024 -0.10
Sep 30, 2024 0.04
Jun 30, 2024 0.04
Mar 31, 2024 0.05
Dec 31, 2023 -0.11
Sep 30, 2023 0.11
Jun 30, 2023 -0.04
Mar 31, 2023 0.05
Dec 31, 2022 0.01
Sep 30, 2022 -0.12
Jun 30, 2022 0.06
Mar 31, 2022 0.08
Dec 31, 2021 0.06
Sep 30, 2021 0.07
Jun 30, 2021 0.09