Synchrony Financial

Synchrony Financial

SYFยทNYSE

$68.72

-3.2%
Financial ServicesFinancial - Credit Services

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

At a Glance

Live Snapshot
Market Cap$23.12B
EPS9.3500
P/E Ratio7.35
Earnings Date07/21/2026
3Y+47.0%
5Y+32.0%
10Y+44.0%
3Y-53.0%
5Y+875.0%
10Y-64.0%
3Y-190.0%
5Y-41.0%
10Y-236.0%
SYF

Synchrony Financial Cash Conversion Engine

SYF ยท NYSE
Net Income3.55B
Depreciation & Amortization514.00M
Stock-Based Compensation0.00
Change in Working Capital376.00M
Others5.22B
Capital Expenditures0.00
Free Cash Flow9.85B

Cash Flow Quality Analysis

FCF Conversion Rate

277.3%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

FCF Growth Trend

+0.0%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

+$376.00M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Synchrony Financial Cash Flow Statement

SYF โ€ข NYSE

Synchrony Financial Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011
OPERATING ACTIVITIES
3.6B
3.5B
2.2B
3B
4.2B
1.4B
3.7B
2.8B
1.9B
2.3B
2.2B
2.1B
2B
2.1B
1.9B
514M
481M
458M
419M
390M
383M
367M
302M
254M
219M
174M
131M
104M
83M
96M
184M
-98M
-458M
-421M
219M
-602M
23M
-53M
385M
389M
-295M
-203M
-237M
-18M
128M
5.2B
6.2B
6.7B
3.9B
1.2B
6B
4.8B
6.1B
649M
4.5B
3.4B
3.2B
3.1B
60M
-70M
(0.0)
(1.1B)
(1.1B)
(1.3B)
(1.1B)
(847M)
(1B)
(772M)
(754M)
(1.8B)
(1.2B)
(1.8B)
(1.2B)
(228M)
(101M)
376M
-205M
-345M
-269M
1B
291M
65M
157M
397M
-547M
710M
92M
698M
828M
1.2B
9.9B
9.8B
8.6B
6.7B
7.1B
7.5B
9B
9.3B
8.9B
6.8B
6.2B
5.3B
5.7B
5.6B
5.5B
INVESTING ACTIVITIES
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-7.3B
(0.0)
-4.7B
-161M
-1.4B
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(6.4B)
(0.0)
(3.2B)
-1.2B
-2.8B
-3.6B
-3.9B
-3B
-9.9B
-7.9B
-7.3B
-3.2B
-3.4B
-5.1B
-1.4B
-100M
-31M
-94M
2B
3.6B
5B
4B
5.1B
8.4B
8.1B
5.7B
3.8B
1.4B
3.5B
27M
40M
40M
17M
-5.5B
-8.3B
-15.6B
-10.4B
-6.9B
1B
-490M
-17.4B
-10B
-11.3B
-9.2B
-8.7B
-127M
-6.5B
32M
-4.9B
-8.9B
-14.2B
-10.2B
-4.8B
-498M
-261M
-19B
-9.4B
-13.3B
-10.8B
-10.1B
-1.1B
-6.5B
-1.6B
FINANCING ACTIVITIES
-2.9B
-1B
-1.1B
-3.3B
-2.9B
-985M
-3.6B
-1.9B
-1.5B
-476M
0.0
2.8B
0.0
0.0
0.0
-295M
-536M
1.8B
-329M
-1.3B
-4.1B
-4.1B
3.2B
633M
-4.2B
-3.1B
3B
-3.5B
1.9B
-5B
-510M
-470M
-448M
-476M
-542M
-562M
-581M
-534M
-446M
-214M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-2.9B
-1B
-1.1B
-3.3B
-2.9B
-985M
-3.6B
-1.9B
-1.5B
-476M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-989M
915M
9.4B
9.4B
-505M
-2.4B
1.2B
7.5B
4.1B
8.7B
8.3B
11.3B
-137M
-963M
2.1B
-4.7B
-611M
9.6B
5.3B
-5.2B
-8B
-6.5B
8.3B
2.8B
3.5B
5.1B
14.2B
-3.6B
962M
-3B
CASH FLOW SUMMARY
262M
334M
4B
1.7B
-2.9B
-1B
2.3B
-1.4B
2.3B
-3B
497M
9.5B
985M
147M
968M
14.8B
14.4B
10.4B
8.7B
11.6B
12.6B
10.4B
11.8B
9.3B
12.3B
11.8B
2.3B
1.3B
1.2B
219M
15B
14.8B
14.4B
10.4B
8.7B
11.6B
12.6B
10.4B
11.6B
9.3B
12.3B
11.8B
2.3B
1.3B
1.2B
9.9B
9.8B
8.6B
6.7B
7.1B
7.5B
9B
9.3B
8.9B
6.8B
6.2B
5.3B
-1.6B
5.6B
838M

SEC Filings

SYF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 15, 2026
May 15, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 29, 2026
December 31, 2025
2025
10-Q

10-Q 2026 Q1

Q1

April 23, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

March 10, 2026
March 10, 2026
2026
8-K

8-K 2026

N/A

February 25, 2026
February 18, 2026
2026
8-K

8-K 2026

N/A

February 10, 2026
February 10, 2026
2026
10-K

10-K 2025 FY

FY

February 06, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 27, 2026
January 27, 2026
2026
Showing 1 to 10 of 334 filings