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 cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see SYF cash flow metrics.
Annual Cash Flow Quality Index for Synchrony Financial (2011–2025)
Year-by-year earnings quality comparison for Synchrony Financial.
| 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 | — |