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 Synchrony Financial balance sheet quality to measure how much of total assets are equity-financed.
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. Check cash flow quality index of Synchrony Financial to evaluate the quality of earnings relative to operating cash generation.
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 |
|
AvalonBay Communities Inc
NYSE:AVB
|
0.036x |
|
VeriSign Inc
NASDAQ:VRSN
|
-0.123x |
|
H+M HEN.+MAU.UNSP.ADR 1/5
F:HMSA
|
0.196x |
|
Restaurant Brands International Inc
TO:QSR
|
0.038x |
|
KONE Oyj
HE:KNEBV
|
0.129x |
|
Everpure, Inc.
NYSE:P
|
0.185x |
|
Bank Hapoalim
TA:POLI
|
0.164x |
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 SYF market cap overview.
| 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