Synchrony Financial Financial Flexibility Index
Synchrony Financial 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). See SYF free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Synchrony Financial (2012–2025)
Financial flexibility index of Synchrony Financial from 2012 to 2025. Historical Financial Flexibility Index trend for Synchrony Financial across 14 annual periods. Check how high is Synchrony Financial's earnings quality to evaluate the quality of earnings relative to operating cash generation.
Synchrony Financial Financial Flexibility Index by Year (2012–2025)
Synchrony Financial financial flexibility index by year from 2012 to 2025. Year-by-year free cash flow to debt coverage for Synchrony Financial. For the full cash flow conversion analysis, see how efficiently does Synchrony Financial generate cash.
| 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 | — |