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 how financially flexible is Synchrony Financial to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see cash efficiency ratio of Synchrony Financial.
Annual Cash Flow-to-Debt Ratio for Synchrony Financial (2012–2025)
Year-by-year debt coverage analysis for Synchrony Financial. Check Synchrony Financial cash earnings quality to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |