Synchrony Financial (SYF) — Cash Flow Reinvestment Rate
Synchrony Financial (SYF) has a Cash Flow Reinvestment Rate of 0.15x as of December 2025, reinvesting $371.00 Million (capex $0.00 plus investments $371.00 Million) from operating cash flow of $2.45 Billion. See SYF free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Synchrony Financial Cash Flow Reinvestment Rate (2011–2025)
Historical reinvestment intensity for Synchrony Financial across 15 annual periods. For the full cash flow conversion analysis, see SYF cash flow conversion.
Annual Cash Flow Reinvestment Rate for Synchrony Financial (2011–2025)
Year-by-year capital reinvestment analysis for Synchrony Financial. See SYF financial flexibility score to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.08x | $765.00 Million | $9.85 Billion | $0.00 | ▼ -91.4% |
| 2024 | 0.90x | $8.90 Billion | $9.85 Billion | $0.00 | ▼ -45.4% |
| 2023 | 1.66x | $14.23 Billion | $8.59 Billion | $0.00 | ▲ +14.5% |
| 2022 | 1.45x | $9.69 Billion | $6.69 Billion | $0.00 | ▲ +140.8% |
| 2021 | 0.60x | $4.26 Billion | $7.10 Billion | $0.00 | ▲ +4064.9% |
| 2020 | 0.01x | $108.00 Million | $7.49 Billion | $0.00 | ▼ -60.3% |
| 2019 | 0.04x | $327.00 Million | $8.99 Billion | $0.00 | ▼ -98.1% |
| 2018 | 1.95x | $18.23 Billion | $9.34 Billion | $0.00 | ▲ +91.9% |
| 2017 | 1.02x | $9.07 Billion | $8.92 Billion | $0.00 | ▼ -47.2% |
| 2016 | 1.93x | $13.15 Billion | $6.82 Billion | $0.00 | ▲ +7.6% |
| 2015 | 1.79x | $11.07 Billion | $6.18 Billion | $0.00 | ▲ +5840.0% |
| 2014 | 0.03x | $161.00 Million | $5.34 Billion | $0.00 | ▼ -97.6% |
| 2013 | 1.28x | $7.27 Billion | $5.68 Billion | $7.27 Billion | — |
| 2012 | 0.00x | $0.00 | $5.64 Billion | $0.00 | ▼ -100.0% |
| 2011 | 0.85x | $4.68 Billion | $5.52 Billion | $4.68 Billion | — |