Free cash flow CAGR uses the stored cash-flow statement history.
Over longer horizons, Free Cash Flow CAGR averages 11.03% over 3 years and 4.77% over 5 years; the trailing 12 months came in at +0.35%.The TTM figure compares the trailing 12 months (sum of the latest four quarters) with the 12 months before that. Rows in the history table compare fiscal years, and the quarterly table compares single quarters; the three measure different windows and will differ. Free cash flow CAGR measures how the company's cash generation has grown. FCF represents the cash available for dividends, buybacks, debt reduction, or reinvestment.
SYF Free Cash Flow CAGR Chart
Synchrony Financial (SYF)
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SYF Quarterly Free Cash Flow Growth (YoY)
Free Cash Flow growth vs the same quarter one year earlier, last 40 quarters.
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Free Cash Flow
SYF Quarterly Free Cash Flow
$2.18B
Reported quarterly free cash flow; no daily interpolation.
+48.30% over 10Y
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SYF Free Cash Flow CAGR History
Year
Start FCF
End FCF
Change
% Change
2025
$9.85B
$9.85B
+$3.00M
+0.03%
2024
$8.59B
$9.85B
+$1.25B
+14.60%
2023
$6.69B
$8.59B
+$1.90B
+28.37%
2022
$7.10B
$6.69B
−$405.00M
-5.71%
2021
$7.49B
$7.10B
−$388.00M
-5.18%
2020
$8.99B
$7.49B
−$1.50B
-16.72%
2019
$9.34B
$8.99B
−$352.00M
-3.77%
2018
$8.92B
$9.34B
+$426.00M
+4.78%
2017
$6.82B
$8.92B
+$2.09B
+30.68%
2016
$6.18B
$6.82B
+$639.00M
+10.33%
2015
$5.34B
$6.18B
+$844.00M
+15.81%
2014
−$1.59B
$5.34B
+$6.93B
N/A
2013
$5.64B
−$1.59B
−$7.23B
-128.26%
2012
$838.00M
$5.64B
+$4.80B
+572.67%
Quarterly Free Cash Flow: QoQ & YoY
Quarter
Value
QoQ
YoY
Quarter ended Mar 2026
$2.18B
-11.0%
-0.8%
Quarter ended Dec 2025
$2.45B
-6.9%
+4.3%
Quarter ended Sep 2025
$2.64B
+3.0%
-4.6%
Quarter ended Jun 2025
$2.56B
+16.4%
+3.1%
Quarter ended Mar 2025
$2.20B
-6.5%
-2.1%
Quarter ended Dec 2024
$2.35B
-14.8%
+1.6%
Quarter ended Sep 2024
$2.76B
+11.2%
+11.3%
Quarter ended Jun 2024
$2.48B
+10.5%
+30.2%
Quarter ended Mar 2024
$2.25B
-3.0%
+19.2%
Quarter ended Dec 2023
$2.32B
-6.6%
+25.4%
Quarter ended Sep 2023
$2.48B
+30.1%
+51.9%
Quarter ended Jun 2023
$1.91B
+1.2%
+5.0%
Quarter ended Mar 2023
$1.89B
+2.1%
+35.1%
Quarter ended Dec 2022
$1.85B
+13.0%
-7.8%
Quarter ended Sep 2022
$1.63B
-10.1%
-10.0%
Quarter ended Jun 2022
$1.82B
+30.2%
+26.1%
QoQ = change vs the prior quarter; YoY = change vs the same quarter a year earlier.