Synchrony Financial

SYFNYSEFinancial Services● Active

$70.36

$-0.48(-0.68%)

Market Cap$23.7B

P/E Ratio—

52W High$88.77

52W Low$56.975

Avg Volume3.9M

Open$70.76

Beta1.32

Free Cash Flow Financials Revenue

Synchrony Financial (SYF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

SYF · free cash flow · updated Jun 8, 2026

Core FCF metrics

SYF · FCF · TTM · margin & CAGR

Free cash flow was $9.85B for FY2025 (fiscal year ending 2025-12-31), up 0.0% year-over-year The FCF margin was 51.5%. Five-year CAGR stands at +5.6%.

FY2025 Free Cash Flow$9.85B▲ +0.0% YoY

Trailing 12M (TTM)$9.83Btrailing 4 quarters sum

FCF Margin51.5%$9.85B ÷ revenue

3-Year CAGR+13.7%FY2022 → FY2025

5-Year CAGR+5.6%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

SYF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$9.85B(0M)$9.85B▲ +0.0%51.5%

FY2024$9.85B(0M)$9.85B▲ +14.6%47.4%

FY2023$8.59B(0M)$8.59B▲ +28.4%49.6%

FY2022$6.69B(0M)$6.69B▼ 5.7%50.7%

FY2021$7.10B(0M)$7.10B▼ 5.2%63.3%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

SYF · P/FCF · FCF yield · FCF per share

Synchrony Financial (SYF) trades at a FCF yield of 41.54% and a price-to-free-cash-flow ratio of 2.6x. FCF per share stands at $27.48, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

41.54%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$27.48

TTM FCF ÷ Shares Outstanding

Price / FCF

x2.6

Share Price ÷ FCF per Share

EV / FCF (TTM)

x2.0

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

SYF · cash flow statement · operating / investing / financing

For FY2025, Synchrony Financial generated $9.85B in operating cash flow and spent 0M in capital expenditures, yielding $9.85B in free cash flow.

Operating Activities

+$9.85B

Cash from core business operations

2025-12-31

Investing Activities

−$4.85B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$4.74B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($9.85B) − |CapEx| (0M) = FCF ($9.85B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

SYF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Synchrony FinancialYOU

SYF

$9.85B+0.0%51.5%

10%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Synchrony Financial (SYF) reported free cash flow of $9.85B for FY2025 (fiscal year ending 2025-12-31), up 0.0% year-over-year. The FCF margin was 51.5%.

Based on available data, Synchrony Financial has maintained positive free cash flow for at least 14 fiscal year(s). FCF peaked at $9.85B in FY2025. The 5-year CAGR stands at +5.6%.

Synchrony Financial's FCF yield is 41.54% and price-to-FCF ratio is 2.6x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

SYF free cash flow · 8 questions

Synchrony Financial free cash flow was $9.85B for FY2025, up 0.0% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $9.83B.

SYF free cash flowSYF FCFSYF FCF 2025SYF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Synchrony Financial · Synchrony Financial SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026