Synchrony Financial Cash Flow-to-Debt Ratio
Synchrony Financial 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. Check how high is Synchrony Financial's earnings quality to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Synchrony Financial (2012–2025)
Cash flow-to-debt ratio of Synchrony Financial from 2012 to 2025. Historical debt coverage capacity for Synchrony Financial across 14 annual periods. Check SYF capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Synchrony Financial Cash Flow-to-Debt Ratio by Year (2012–2025)
Synchrony Financial cash flow-to-debt ratio by year from 2012 to 2025. Year-by-year debt coverage analysis for Synchrony Financial. For the full cash flow conversion analysis, see SYF cash flow metrics.
| 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 | — |