Synchrony Financial (SYF) - Cash Flow Conversion Efficiency
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. See operational self-sufficiency of Synchrony Financial to measure how many days the company can operate on defensive assets alone.
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.
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 |
|---|---|
|
Curtiss-Wright Corporation
NYSE:CW
|
0.139x |
|
H+M HEN.+MAU.UNSP.ADR 1/5
F:HMSA
|
0.196x |
|
COSCO SHIPPING Holdings Co Ltd
SHG:601919
|
0.022x |
|
Honda Motor Co. Ltd
F:HDMA
|
0.024x |
|
Huaneng Lancang River Hydropower Inc Class A
SHG:600025
|
0.071x |
|
Bank Leumi Le-Israel B.M
TA:LUMI
|
-0.109x |
|
Sterling Construction Company Inc
NASDAQ:STRL
|
0.139x |
|
SUMITOMO EL.IND.ADR
F:SMO1
|
N/A |
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. For the full company profile with market capitalisation and key ratios, see Synchrony Financial market capitalisation.
| 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 | -- |
About 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