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 SYF operating cash flow to assess how effectively this company generates cash.
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 total reinvestment intensity of Synchrony Financial to assess the company's total reinvestment commitment from operating cash flow.
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 market cap of 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 | — |