Synchrony Financial (SYF) — Financial Flexibility Index
Synchrony Financial (SYF) has a Financial Flexibility Index of 0.02x as of December 2025. Free cash flow of $2.45 Billion (operating CF $2.45 Billion minus capex $0.00) represents 0% of total liabilities ($102.33 Billion). Check SYF capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Synchrony Financial Financial Flexibility Index (2012–2025)
Historical Financial Flexibility Index trend for Synchrony Financial across 14 annual periods. See Synchrony Financial (SYF) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Synchrony Financial (2012–2025)
Year-by-year free cash flow to debt coverage for Synchrony Financial. For the full company profile including market capitalisation, see Synchrony Financial (SYF) market capitalisation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.10x | $9.85 Billion | $9.85 Billion | $102.33 Billion | ▲ +0.6% |
| 2024 | 0.10x | $9.85 Billion | $9.85 Billion | $102.88 Billion | ▲ +15.4% |
| 2023 | 0.08x | $8.59 Billion | $8.59 Billion | $103.58 Billion | ▲ +13.6% |
| 2022 | 0.07x | $6.69 Billion | $6.69 Billion | $91.69 Billion | ▼ -15.6% |
| 2021 | 0.09x | $7.10 Billion | $7.10 Billion | $82.09 Billion | ▼ -3.8% |
| 2020 | 0.09x | $7.49 Billion | $7.49 Billion | $83.25 Billion | ▼ -10.2% |
| 2019 | 0.10x | $8.99 Billion | $8.99 Billion | $89.74 Billion | ▼ -1.2% |
| 2018 | 0.10x | $9.34 Billion | $9.34 Billion | $92.11 Billion | ▼ -7.2% |
| 2017 | 0.11x | $8.92 Billion | $8.92 Billion | $81.57 Billion | ▲ +21.8% |
| 2016 | 0.09x | $6.82 Billion | $6.82 Billion | $76.01 Billion | ▲ +3.6% |
| 2015 | 0.09x | $6.18 Billion | $6.18 Billion | $71.39 Billion | ▲ +5.8% |
| 2014 | 0.08x | $5.34 Billion | $5.34 Billion | $65.23 Billion | ▼ -66.4% |
| 2013 | 0.24x | $12.95 Billion | $5.68 Billion | $53.12 Billion | ▲ +111.4% |
| 2012 | 0.12x | $5.64 Billion | $5.64 Billion | $48.88 Billion | — |