Synchrony Financial Cash Flow Conversion Efficiency
Synchrony Financial 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.
Cash Flow Conversion Efficiency of Synchrony Financial (2012–2025)
Cash flow conversion efficiency of Synchrony Financial from 2012 to 2025. This chart illustrates how Synchrony Financial's cash flow conversion efficiency has evolved over time, based on yearly financial data. View Synchrony Financial (SYF) share price today for real-time trading data and today's change.
Synchrony Financial Cash Flow Conversion Ratio Explained
Synchrony Financial cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.
Synchrony Financial Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Synchrony Financial ranked by their cash flow conversion efficiency. Also see SYF market cap for the company's overall valuation and market capitalisation.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Accton Technology Corp
TW:2345
|
0.377x |
|
H+M HEN.+MAU.UNSP.ADR 1/5
F:HMSA
|
0.312x |
|
SharkNinja, Inc.
NYSE:SN
|
0.152x |
|
CenterPoint Energy Inc
NYSE:CNP
|
0.066x |
|
Nestle India Limited
NSE:NESTLEIND
|
0.449x |
|
Cincinnati Financial Corporation
NASDAQ:CINF
|
0.042x |
|
SUMITOMO EL.IND.ADR
F:SMO1
|
N/A |
|
Hershey Co
NYSE:HSY
|
0.099x |
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. Review Synchrony Financial free cash flow generation to assess how much free cash flow the company generates relative to operating cash flow.
| 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