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

Synchrony Financial (SYF) has reported Net Cash Flow for 14 consecutive years, with -$3.4 billion the latest figure, recorded in Q2 2026.

• For the quarter ending Q2 2026, Net Cash Flow fell 34.63% year-over-year to -$3.4 billion; the trailing twelve-month figure through Jun 2026 stood at -$2.9 billion (down 296.19% YoY), and the FY2025 full-year result was $262.0 million, down 21.56% from the prior year.
• Net Cash Flow retreated to -$3.4 billion in Q2 2026 per SYF's latest filing, from $5.6 billion in the prior quarter.
• Across five years, Net Cash Flow topped out at $7.9 billion in Q1 2025 and bottomed at -$3.9 billion in Q3 2025.
• Historically, Net Cash Flow has averaged $475.2 million across 5 years, with a median of -$984.5 million in 2024.
• The sharpest annual moves came in 2022 and 2023: Net Cash Flow jumped 238.31% in 2022, then plunged 2187.31% in 2023.
• Over 5 years, Net Cash Flow stood at -$2.6 billion in 2022, then jumped by 47.59% to -$1.4 billion in 2023, then slumped by 134.01% to -$3.2 billion in 2024, then soared by 60.64% to -$1.3 billion in 2025, then tumbled by 164.8% to -$3.4 billion in 2026.
• According to Business Quant data, Net Cash Flow over the past three periods registered -$3.4 billion, $5.6 billion, and -$1.3 billion for Q2 2026, Q1 2026, and Q4 2025 respectively.