Synchrony Financial (SYF) Free Cash Flow (2013 - 2026)

Synchrony Financial posted quarterly Free Cash Flow of $2.2 billion for Q1 2026, down 0.77% year-on-year from $2.2 billion in Q1 2025, and down 11.04% on a QoQ basis from $2.5 billion in Q4 2025.

Synchrony Financial (SYF) Free Cash Flow (2013 - 2026) Analysis & Trends

Synchrony Financial (SYF) has 14 years of Free Cash Flow data on file, last reported at $2.2 billion in Q1 2026.

  • For the quarter ending Q1 2026, Free Cash Flow fell 0.77% year-over-year to $2.2 billion; the trailing twelve-month figure through Mar 2026 stood at $9.8 billion (changed 0.35% YoY), and the FY2025 full-year result was $9.9 billion, changed 0.03% from the prior year.
  • Free Cash Flow for Q1 2026 stood at $2.2 billion, down from $2.5 billion in the prior quarter.
  • Across five years, Free Cash Flow topped out at $2.8 billion in Q3 2024 and bottomed at $1.4 billion in Q1 2022.
  • The 5-year median for Free Cash Flow is $2.2 billion (2024), against an average of $2.2 billion.
  • The widest annual swing landed in 2022, when Free Cash Flow decreased 24.09%; it then jumped 51.9% in 2023.
  • A 5-year view of Free Cash Flow shows it stood at $1.8 billion in 2022, then climbed by 25.45% to $2.3 billion in 2023, then rose by 1.55% to $2.4 billion in 2024, then grew by 4.29% to $2.5 billion in 2025, then declined by 11.04% to $2.2 billion in 2026.
  • The last three Free Cash Flow figures came in at $2.2 billion (Q1 2026), $2.5 billion (Q4 2025), and $2.6 billion (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Free Cash Flow (Qtr)
1 Visa 539.53 Bn 527.13 Bn - 2.63 Bn
2 Mastercard 441.81 Bn 431.60 Bn - 2.82 Bn
3 American Express 215.01 Bn 160.96 Bn 17.43 Bn 2.66 Bn
4 Capital One Financial 114.99 Bn 38.50 Bn - 5.47 Bn
5 PayPal Holdings 41.29 Bn 31.95 Bn 7.84 Bn 903.00 Mn
6 Affirm Holdings 24.62 Bn 22.89 Bn 261.64 Mn 22.68 Bn
7 Synchrony Financial 24.22 Bn 3.66 Bn - 2.18 Bn
8 SoFi Technologies 23.71 Bn 20.31 Bn 929.25 Mn -2.38 Bn
9 Ally Financial 13.13 Bn 12.69 Bn 1.98 Bn 1.37 Bn
10 Credit Acceptance 6.46 Bn 6.44 Bn 562.70 Mn 268.90 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 2.18 Bn
Mar 31, 2026 2.18 Bn
Dec 31, 2025 2.45 Bn
Dec 31, 2025 2.45 Bn
Sep 30, 2025 2.64 Bn
Sep 30, 2025 2.64 Bn
Jun 30, 2025 2.56 Bn
Jun 30, 2025 2.56 Bn
Mar 31, 2025 2.20 Bn
Mar 31, 2025 2.20 Bn
Dec 31, 2024 2.35 Bn
Dec 31, 2024 2.35 Bn
Sep 30, 2024 2.76 Bn
Sep 30, 2024 2.76 Bn
Jun 30, 2024 2.48 Bn
Jun 30, 2024 2.48 Bn
Mar 31, 2024 2.25 Bn
Mar 31, 2024 2.25 Bn
Dec 31, 2023 2.32 Bn
Dec 31, 2023 2.32 Bn