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. Explore SYF strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
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 assets under control for the complete picture of this company's asset base.
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 market value of Synchrony Financial.
| 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 | — |