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Synchrony Financial (SYF) Cash Flow Waterfall

Trace Synchrony Financial's cash from operations down to free cash flow, then see where FCF goes — capex, buybacks, dividends, and debt repayment.

Operating CF

$9.83B

Capex

$0.00

Free Cash Flow

$9.83B

FCF Margin

+100.0%

Cash flow waterfall for Synchrony Financial (SYF) — TTM through Q1 2026

Free cash flow: $9.83B

Note: Other Investing is large — driven mainly by purchases or sales of investments.

Cash flow breakdown for Synchrony Financial (SYF) — TTM through Q1 2026

  • Operating Cash Flow$9.83B
  • Capital Expenditure$0.00
  • Free Cash Flow$9.83B
  • Acquisitions−$161.00M
  • Other Investing−$6.77B
  • Share Buybacks−$3.24B
  • Dividends Paid−$517.00M
  • Net Debt Change−$595.00M
  • Other Financing & FX−$627.00M
  • Net Cash Decrease−$2.07B
Want to see what drove the FCF change?Free Cash Flow Bridge

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