Synchrony Financial (SYF) Free Cash Flow (2013 - 2026)
Synchrony Financial's Free Cash Flow was $2.5 billion in Q3 2026, down 5.3% from $2.64 billion a year earlier but up 3.2% from the prior quarter.
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Analysis
Synchrony Financial (SYF) Free Cash Flow (2013 - 2026) Analysis & Trends
On a trailing twelve-month basis, Synchrony Financial's Free Cash Flow was $9.56 billion through Sep 30, 2026, down 2.0% year-over-year; for FY2025, it came in at $9.85 billion, unchanged from FY2024.
- Free Cash Flow shows a five-year compound annual growth rate of 5.6% (FY2020 to FY2025).
- In earlier years, Free Cash Flow was $9.85 billion in FY2024 (+14.6%), $8.59 billion in FY2023 (+28.4%), $6.69 billion in FY2022 (-5.7%) and $7.1 billion in FY2021 (-5.2%).
- Quarterly Free Cash Flow has moved between $1.4 billion (Q1 2022) and $2.76 billion (Q3 2024) over five years.
- Compared with a year earlier, Free Cash Flow has declined for three straight quarters, with an average decline of 1.2% over the last eight quarters.
- The best year-over-year quarter for Free Cash Flow over five years was Q3 2023 (growth of 51.9%); the worst was Q1 2022 (a decline of 24.1%).
- Per Business Quant data, SYF's Free Cash Flow in the three quarters before Q3 2026 was $2.42 billion (Q2 2026), $2.18 billion (Q1 2026) and $2.45 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF (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 | - | 728.46 Mn |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 876.00 Mn |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | 229.29 Mn |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | 2.50 Bn |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | 285.12 Mn |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | 2.86 Bn |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | 1.05 Bn |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.50 Bn |
| Jun 30, 2026 | 2.42 Bn |
| Mar 31, 2026 | 2.18 Bn |
| Dec 31, 2025 | 2.45 Bn |
| Sep 30, 2025 | 2.64 Bn |
| Jun 30, 2025 | 2.56 Bn |
| Mar 31, 2025 | 2.20 Bn |
| Dec 31, 2024 | 2.35 Bn |
| Sep 30, 2024 | 2.76 Bn |
| Jun 30, 2024 | 2.48 Bn |
| Mar 31, 2024 | 2.25 Bn |
| Dec 31, 2023 | 2.32 Bn |
| Sep 30, 2023 | 2.48 Bn |
| Jun 30, 2023 | 1.91 Bn |
| Mar 31, 2023 | 1.89 Bn |
| Dec 31, 2022 | 1.85 Bn |
| Sep 30, 2022 | 1.63 Bn |
| Jun 30, 2022 | 1.82 Bn |
| Mar 31, 2022 | 1.40 Bn |
| Dec 31, 2021 | 2.00 Bn |
API Access
Synchrony Financial Free Cash Flow 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=free-cash-flow&ticker=SYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "free-cash-flow", "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=free-cash-flow&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();