Synchrony Financial (SYF) Net Cash Flow (2013 - 2026)
Synchrony Financial (SYF) recorded Net Cash Flow of -$543 million in Q3 2026, compared with -$3.89 billion a year earlier.
Synchrony Financial (SYF) Net Cash Flow (2013 - 2026) Analysis & Trends
On a TTM basis, Synchrony Financial's Net Cash Flow came in at $410 million as of Sep 30, 2026; for FY2025, it came in at $262 million, down 21.6% from FY2024.
- Across earlier years, Net Cash Flow came in at $334 million in FY2024 (-91.6%), $3.99 billion in FY2023 (+128.8%), $1.74 billion in FY2022 and -$2.92 billion in FY2021.
- Quarterly Net Cash Flow has ranged from -$3.89 billion in Q3 2025 to $7.92 billion in Q1 2025 over the past five years.
- Per Business Quant, the preceding three quarters came in at -$3.36 billion (Q2 2026), $5.59 billion (Q1 2026) and -$1.27 billion (Q4 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | NCF (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 | - | 225.59 Mn |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | -4.47 Bn |
| 5 | Affirm Holdings | 24.55 Bn | 18.24 Bn | - | -36.45 Mn |
| 6 | Synchrony Financial | 24.01 Bn | -43.61 Bn | - | -543.00 Mn |
| 7 | Royal Gold | 19.26 Bn | 18.43 Bn | 390.45 Mn | -51.67 Mn |
| 8 | Annaly Capital Management | 13.94 Bn | 4.90 Bn | - | -731.19 Mn |
| 9 | Ares Capital | 13.71 Bn | 11.46 Bn | - | 318.00 Mn |
| 10 | Federal Home Loan Mortgage | 13.42 Bn | 13.42 Bn | - | - |
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | -543.00 Mn |
| Jun 30, 2026 | -3.36 Bn |
| Mar 31, 2026 | 5.59 Bn |
| Dec 31, 2025 | -1.27 Bn |
| Sep 30, 2025 | -3.89 Bn |
| Jun 30, 2025 | -2.50 Bn |
| Mar 31, 2025 | 7.92 Bn |
| Dec 31, 2024 | -3.23 Bn |
| Sep 30, 2024 | -699.00 Mn |
| Jun 30, 2024 | -1.39 Bn |
| Mar 31, 2024 | 5.65 Bn |
| Dec 31, 2023 | -1.38 Bn |
| Sep 30, 2023 | 2.95 Bn |
| Jun 30, 2023 | -3.07 Bn |
| Mar 31, 2023 | 5.49 Bn |
| Dec 31, 2022 | -2.63 Bn |
| Sep 30, 2022 | 2.27 Bn |
| Jun 30, 2022 | -134.00 Mn |
| Mar 31, 2022 | 2.24 Bn |
| Dec 31, 2021 | -1.21 Bn |
Synchrony Financial Net 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=net-cash-flow&ticker=SYF&period=max&api_key=YOUR_API_KEY
import requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-cash-flow&ticker=SYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();