Synchrony Financial (SYF) — Cash Flow Quality Index
Synchrony Financial (SYF) has a Cash Flow Quality Index of 3.27x as of December 2025. Operating cash flow of $2.45 Billion exceeds net income of $751.00 Million, indicating high earnings quality where cash backs reported profits. Explore Synchrony Financial long-term investment allocation to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Synchrony Financial Cash Flow Quality Index (2011–2025)
Historical Cash Flow Quality Index for Synchrony Financial across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible net worth ratio of Synchrony Financial to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Synchrony Financial (2011–2025)
Year-by-year earnings quality comparison for Synchrony Financial. For live market cap and the full company financial profile, see SYF stock market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.77x | $9.85 Billion | $3.55 Billion | ▼ -1.5% |
| 2024 | 2.81x | $9.85 Billion | $3.50 Billion | ▼ -26.7% |
| 2023 | 3.84x | $8.59 Billion | $2.24 Billion | ▲ +73.0% |
| 2022 | 2.22x | $6.69 Billion | $3.02 Billion | ▲ +32.0% |
| 2021 | 1.68x | $7.10 Billion | $4.22 Billion | ▼ -68.9% |
| 2020 | 5.41x | $7.49 Billion | $1.39 Billion | ▲ +125.3% |
| 2019 | 2.40x | $8.99 Billion | $3.75 Billion | ▼ -28.3% |
| 2018 | 3.35x | $9.34 Billion | $2.79 Billion | ▼ -27.3% |
| 2017 | 4.61x | $8.92 Billion | $1.94 Billion | ▲ +52.0% |
| 2016 | 3.03x | $6.82 Billion | $2.25 Billion | ▲ +8.5% |
| 2015 | 2.79x | $6.18 Billion | $2.21 Billion | ▲ +10.3% |
| 2014 | 2.53x | $5.34 Billion | $2.11 Billion | ▼ -11.8% |
| 2013 | 2.87x | $5.68 Billion | $1.98 Billion | ▲ +7.9% |
| 2012 | 2.66x | $5.64 Billion | $2.12 Billion | ▼ -8.9% |
| 2011 | 2.92x | $5.52 Billion | $1.89 Billion | — |