Free Cash Flow for 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 .
Currently viewingFree Cash FlowSwitch metric
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
Free Cash Flow history table for Synchrony Financial (SYF) from 2011 to 2025
| Fiscal year | Period ended | Reported | Free Cash Flow | YoY |
|---|---|---|---|---|
| 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 (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
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.
Within Financial Services, Synchrony Financial (SYF) ranks 7th among 8 peers we track. The peer median for free cash flow is $19.24B.
Synchrony Financial Free Cash Flow by Year
Synchrony Financial Free Cash Flow 2025: $9.85B
Synchrony Financial free cash flow in 2025 was $9.85B, 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
Synchrony Financial free cash flow in 2024 was $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
Synchrony Financial free cash flow in 2022 was $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 — Free Cash Flow
Companies in the same sector as Synchrony Financial, ranked by their latest free cash flow.
| Company | Free Cash Flow | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $100.87B | Financial Services |
| Morgan Stanley (MS) | $46.10B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $25.04B | Financial Services |
| Visa Inc. (V) | $21.58B | Financial Services |
| Mastercard Incorporated (MA) | $16.91B | Financial Services |
| Bank of America Corporation (BAC) | $12.61B | Financial Services |
| Wells Fargo & Company (WFC) | -$19.00B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | -$47.22B | Financial Services |
Frequently asked questions
What is Synchrony Financial's free cash flow?
Latest reported free cash flow for Synchrony Financial (SYF) is $9.83B (period ending March 31, 2026).
How has Synchrony Financial free cash flow changed year-over-year?
Synchrony Financial (SYF) free cash flow changed +0.0% year-over-year on the latest annual filing.
What is the long-term growth rate of Synchrony Financial free cash flow?
Synchrony Financial (SYF) free cash flow compound annual growth rate is +5.6% over the most recent 5 years available.
When did Synchrony Financial free cash flow hit its highest annual value?
Synchrony Financial free cash flow reached its highest annual value of $9.85B in 2025.
What was Synchrony Financial free cash flow in 2024?
Synchrony Financial (SYF) free cash flow in 2024 was $9.85B.
What was Synchrony Financial free cash flow in 2025?
Synchrony Financial (SYF) free cash flow in 2025 was $9.85B.
Metrics overview
Pick a metric for charts, filings and peers — each row shows the latest TTM or most-recent-quarter value.
Explore more
SYF Overview
Company profile, financial tools, and key metrics
SYF Revenue Counter
Earns $631.50 every second. See per minute, hour, and day.
SYF Earnings Counter
Earns $114.16 per second net profit. See per minute, hour, and day.
SYF Economic Scale
Exceeds Niger's GDP. Compare with world economies.
SYF What If Invested
What if you had invested $1,000? See historical returns from any date.
SYF How It Makes Money
Discover visual breakdown of $19.91B in revenue — where it comes from and where it goes.
SYF Stock Seasonality
Best and worst months to invest. Historical monthly returns heatmap.
SYF Price Target Scenarios
Model bear, base, and bull cases with EPS growth and exit P/E — pre-filled from analysts and history.
SYF Daily Price Character
Balanced · 52.2% historical win rate (green days). Streaks & record days.
SYF Buybacks
13.89% TTM buyback yield. Shareholder yield & SBC comparison.
SYF Dividend Profile
Yield: 1.60%. Safety: 6/8. See full history.
SYF Dividend Calculator
How much dividend income would $1,000 have earned? Calculate from any date.
SYF Dividend Forecast
Project future income with DRIP, growth assumptions, and optional monthly contributions.