Synchrony Financial (SYF) — Free Cash Flow Generation Index
Synchrony Financial (SYF) has a Free Cash Flow Generation Index of 1.00x as of December 2025. Free cash flow of $2.45 Billion represents 1% of operating cash flow ($2.45 Billion). Explore SYF capex to operating cash flow ratio to see what proportion of operating cash flow is directed to capital expenditures.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Synchrony Financial Free Cash Flow Generation Index (2011–2025)
Historical FCF Generation Index trend for Synchrony Financial across 15 annual periods. For the full cash flow conversion analysis, see SYF operating cash flow.
Annual Free Cash Flow Generation for Synchrony Financial (2011–2025)
Year-by-year Free Cash Flow Generation Index for Synchrony Financial. Check cash flow reinvestment rate of Synchrony Financial to assess the company's total reinvestment commitment from operating cash flow.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 1.00x | $9.85 Billion | $9.85 Billion | $0.00 | ▲ +0.0% |
| 2024 | 1.00x | $9.85 Billion | $9.85 Billion | $0.00 | ▲ +0.0% |
| 2023 | 1.00x | $8.59 Billion | $8.59 Billion | $0.00 | ▲ +0.0% |
| 2022 | 1.00x | $6.69 Billion | $6.69 Billion | $0.00 | ▲ +0.0% |
| 2021 | 1.00x | $7.10 Billion | $7.10 Billion | $0.00 | ▲ +0.0% |
| 2020 | 1.00x | $7.49 Billion | $7.49 Billion | $0.00 | ▲ +0.0% |
| 2019 | 1.00x | $8.99 Billion | $8.99 Billion | $0.00 | ▲ +0.0% |
| 2018 | 1.00x | $9.34 Billion | $9.34 Billion | $0.00 | ▲ +0.0% |
| 2017 | 1.00x | $8.92 Billion | $8.92 Billion | $0.00 | ▲ +0.0% |
| 2016 | 1.00x | $6.82 Billion | $6.82 Billion | $0.00 | ▲ +0.0% |
| 2015 | 1.00x | $6.18 Billion | $6.18 Billion | $0.00 | ▲ +0.0% |
| 2014 | 1.00x | $5.34 Billion | $5.34 Billion | $0.00 | ▲ +456.5% |
| 2013 | -0.28x | $-1.59 Billion | $5.68 Billion | $7.27 Billion | ▼ -128.1% |
| 2012 | 1.00x | $5.64 Billion | $5.64 Billion | $0.00 | ▲ +558.2% |
| 2011 | 0.15x | $838.00 Million | $5.52 Billion | $4.68 Billion | — |