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. Check Synchrony Financial (SYF) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
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. Explore Synchrony Financial strategic investment ratio to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for Synchrony Financial (2011–2025)
Year-by-year capital reinvestment analysis for Synchrony Financial. For live market cap and broader valuation context, see SYF market cap.
| 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 | — |