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.
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Analysis
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 Set
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
Download Data
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 |
API Access
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_KEYimport 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();