Synchrony Financial (SYF) — Cash Flow-to-Debt Ratio
Synchrony Financial (SYF) has a Cash Flow-to-Debt Ratio of 0.02x as of December 2025, meaning its operating cash flow of $2.45 Billion could theoretically repay 0% of its total liabilities ($102.33 Billion) in one year. See SYF free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Synchrony Financial Cash Flow-to-Debt Ratio (2012–2025)
Historical debt coverage capacity for Synchrony Financial across 14 annual periods. Also explore Synchrony Financial (SYF) net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Synchrony Financial (2012–2025)
Year-by-year debt coverage analysis for Synchrony Financial. For market capitalisation and broader financial context, see SYF stock market capitalisation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.10x | $9.85 Billion | $102.33 Billion | ▲ +0.6% |
| 2024 | 0.10x | $9.85 Billion | $102.88 Billion | ▲ +15.4% |
| 2023 | 0.08x | $8.59 Billion | $103.58 Billion | ▲ +13.6% |
| 2022 | 0.07x | $6.69 Billion | $91.69 Billion | ▼ -15.6% |
| 2021 | 0.09x | $7.10 Billion | $82.09 Billion | ▼ -3.8% |
| 2020 | 0.09x | $7.49 Billion | $83.25 Billion | ▼ -10.2% |
| 2019 | 0.10x | $8.99 Billion | $89.74 Billion | ▼ -1.2% |
| 2018 | 0.10x | $9.34 Billion | $92.11 Billion | ▼ -7.2% |
| 2017 | 0.11x | $8.92 Billion | $81.57 Billion | ▲ +21.8% |
| 2016 | 0.09x | $6.82 Billion | $76.01 Billion | ▲ +3.6% |
| 2015 | 0.09x | $6.18 Billion | $71.39 Billion | ▲ +5.8% |
| 2014 | 0.08x | $5.34 Billion | $65.23 Billion | ▼ -23.4% |
| 2013 | 0.11x | $5.68 Billion | $53.12 Billion | ▼ -7.3% |
| 2012 | 0.12x | $5.64 Billion | $48.88 Billion | — |