Latest period
$9.83B
YoY change
+0.0%
5Y CAGR
+5.6%
Peak year (2025)
$9.85B
Latest annual
$9.85B
Free Cash Flow history chart for Synchrony Financial (SYF) from 2011 to 2025
Latest: $9.85B
Free Cash Flow growth chart for Synchrony Financial (SYF) from 2011 to 2025
Latest: +0.0%
Free Cash Flow history table for Synchrony Financial (SYF) from 2011 to 2025
| 2025 | $9.85B | +0.0% | +$3.00M | ||
| 2024 | $9.85B | +14.6% | +$1.25B | ||
| 2023 | $8.59B | +28.4% | +$1.90B | ||
| 2022 | $6.69B | -5.7% | −$405.00M | ||
| 2021 | $7.10B | -5.2% | −$388.00M | ||
| 2020 | $7.49B | -16.7% | −$1.50B | ||
| 2019 | $8.99B | -3.8% | −$352.00M | ||
| 2018 | $9.34B | +4.8% | +$426.00M | ||
| 2017 | $8.92B | +30.7% | +$2.09B | ||
| 2016 | $6.82B | +10.3% | +$639.00M | ||
| 2015 | $6.18B | +15.8% | +$844.00M | ||
| 2014 | $5.34B | -435.2% | +$6.93B | ||
| 2013 | −$1.59B | -128.3% | −$7.23B | ||
| 2012 | $5.64B | +572.7% | +$4.80B | ||
| 2011 | $838.00M | — | — |
- 2025$9.85B+0.0%
- 2024$9.85B+14.6%
- 2023$8.59B+28.4%
- 2022$6.69B-5.7%
- 2021$7.10B-5.2%
- 2020$7.49B-16.7%
- 2019$8.99B-3.8%
- 2018$9.34B+4.8%
- 2017$8.92B+30.7%
- 2016$6.82B+10.3%
- 2015$6.18B+15.8%
- 2014$5.34B-435.2%
- 2013−$1.59B-128.3%
- 2012$5.64B+572.7%
- 2011$838.00M—
Free Cash Flow values are taken from Synchrony Financial's reported cash flow statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
About Free Cash Flow at Synchrony Financial (SYF)
Free Cash Flow for Synchrony Financial (SYF): headline value $9.83B · YoY +0.0%. Annual and quarterly series, chart, and tables are below.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
As of the 2025 fiscal year, Synchrony Financial (SYF) reported free cash flow of $9.85B – edged up 0.0% year-over-year.
Synchrony Financial free cash flow compound annual growth for the 2020–2025 (5 years) window is +5.6%, sustaining 3 straight years of year-over-year growth.
Across the available history, free cash flow reached its high of $9.85B in 2025 and its low of −$1.59B in 2013.
Synchrony Financial Free Cash Flow by Year
Synchrony Financial Free Cash Flow 2025: $9.85B
Synchrony Financial posted free cash flow of $9.85B in 2025, edged up 0.0% from 2024. This figure represents the highest annual value in the available history.
Synchrony Financial Free Cash Flow 2024: $9.85B
In 2024, Synchrony Financial reported free cash flow of $9.85B, grew 14.6% from 2023.
Synchrony Financial Free Cash Flow 2023: $8.59B
Synchrony Financial free cash flow in 2023 was $8.59B, grew 28.4% from 2022.
Synchrony Financial Free Cash Flow 2022: $6.69B
2022's free cash flow for Synchrony Financial came in at $6.69B, declined 5.7% below 2021.
Synchrony Financial Free Cash Flow 2021: $7.10B
Synchrony Financial free cash flow in 2021 was $7.10B.
See more financial history for Synchrony Financial (SYF).
Sector peers by Free Cash Flow
Financial Services peers of Synchrony Financial (SYF), ranked by their latest free cash flow
| $100.87B | |
| $46.10B | |
| $25.04B | |
| $21.58B | |
| $16.91B | |
| $12.61B | |
| −$19.00B | |
| −$47.22B |
- $100.87B
- $46.10B
- $25.04B
- $21.58B
- $16.91B
- $12.61B
- −$19.00B
- −$47.22B
Frequently asked questions
Synchrony Financial (SYF) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation