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| Date | Value |
|---|---|
| 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 |