Synchrony Financial Cash Flow Quality Index
Synchrony Financial 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. See Synchrony Financial (SYF) flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Synchrony Financial (2011–2025)
Cash flow quality index of Synchrony Financial from 2011 to 2025. Historical Cash Flow Quality Index for Synchrony Financial across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore Synchrony Financial (SYF) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Synchrony Financial Cash Flow Quality Index by Year (2011–2025)
Synchrony Financial cash flow quality index by year from 2011 to 2025. Year-by-year earnings quality comparison for Synchrony Financial. For the full cash flow conversion analysis, see SYF cash flow conversion.
| 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 | — |