Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking product… Read more
Synchrony Financial (SYF) - Cash Flow Conversion Efficiency
Latest cash flow conversion efficiency as of December 2025: 0.146x
Based on the latest financial reports, Synchrony Financial (SYF) has a cash flow conversion efficiency ratio of 0.146x as of December 2025.
Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($2.45 Billion) by net assets ($16.77 Billion). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Synchrony Financial - Cash Flow Conversion Efficiency Trend (2012–2025)
This chart illustrates how Synchrony Financial's cash flow conversion efficiency has evolved over time, based on yearly financial data. Explore and compare other companies by cash flow conversion efficiency.
Synchrony Financial Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Synchrony Financial ranked by their cash flow conversion efficiency.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
SoFi Technologies Inc.
NASDAQ:SOFI
|
-0.094x |
|
Panasonic Holdings Corporation
PINK:PCRFF
|
0.022x |
|
ORIX Corporation
PINK:ORXCF
|
0.067x |
|
Teck Resources Ltd Class B
NYSE:TECK
|
0.025x |
|
Victory Giant Technology Huizhou Co Ltd
SHE:300476
|
0.079x |
|
Laboratory Corporation of America Holdings
NYSE:LH
|
0.044x |
|
Hanwha Aerospace Co Ltd
KO:012450
|
-0.071x |
|
Banco De Chile
NYSE:BCH
|
-0.129x |
Annual Cash Flow Conversion Efficiency for Synchrony Financial (2012–2025)
The table below shows the annual cash flow conversion efficiency of Synchrony Financial from 2012 to 2025.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $16.77 Billion | $9.85 Billion | 0.588x | -1.08% |
| 2024-12-31 | $16.58 Billion | $9.85 Billion | 0.594x | -3.90% |
| 2023-12-31 | $13.90 Billion | $8.59 Billion | 0.618x | +18.86% |
| 2022-12-31 | $12.87 Billion | $6.69 Billion | 0.520x | +0.02% |
| 2021-12-31 | $13.65 Billion | $7.10 Billion | 0.520x | -11.81% |
| 2020-12-31 | $12.70 Billion | $7.49 Billion | 0.589x | -1.07% |
| 2019-12-31 | $15.09 Billion | $8.99 Billion | 0.596x | -6.38% |
| 2018-12-31 | $14.68 Billion | $9.34 Billion | 0.636x | +1.61% |
| 2017-12-31 | $14.23 Billion | $8.92 Billion | 0.626x | +30.33% |
| 2016-12-31 | $14.20 Billion | $6.82 Billion | 0.481x | -2.04% |
| 2015-12-31 | $12.60 Billion | $6.18 Billion | 0.491x | -3.73% |
| 2014-12-31 | $10.48 Billion | $5.34 Billion | 0.510x | -46.51% |
| 2013-12-31 | $5.96 Billion | $5.68 Billion | 0.953x | -22.55% |
| 2012-12-31 | $4.58 Billion | $5.64 Billion | 1.230x | -- |