Synchrony Financial (SYF) Operating Cash Flow CAGR:0.35%(TTM)
The operating cash flow cagr for Synchrony Financial (SYF) is +0.35% over the latest trailing 12-month period. Operating cash flow CAGR uses precomputed cash-flow statement history (cash from operations, before capital expenditures).
The operating cash flow CAGR for Synchrony Financial (SYF) stock is 0.35% over the past 12 months. The 3 year CAGR is 11.03% and the 5 year CAGR is 4.77%.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. Operating cash flow CAGR measures the compound annual growth rate of the cash Synchrony Financial generates from its core business operations, before capital expenditures, computed from rolling-twelve-month cash-flow statement history.
SYF Operating Cash Flow CAGR Chart
Synchrony Financial (SYF)
SYF Quarterly Operating Cash Flow Growth (YoY)
Operating Cash Flow growth vs the same quarter one year earlier, last 20 quarters.
SYF Operating Cash Flow CAGR History
| Year | Start OCF | End OCF | Change | % Change | CAGR |
|---|---|---|---|---|---|
| 2025 | $9.85B | $9.85B | +$3.00M | +0.03% | +0.03% |
| 2024 | $8.59B | $9.85B | +$1.25B | +14.60% | +14.60% |
| 2023 | $6.69B | $8.59B | +$1.90B | +28.37% | +28.37% |
| 2022 | $7.10B | $6.69B | $-405.00M | -5.71% | -5.71% |
| 2021 | $7.49B | $7.10B | $-388.00M | -5.18% | -5.18% |
| 2020 | $8.99B | $7.49B | $-1.50B | -16.72% | -16.72% |
| 2019 | $9.34B | $8.99B | $-352.00M | -3.77% | -3.77% |
| 2018 | $8.92B | $9.34B | +$426.00M | +4.78% | +4.78% |
| 2017 | $6.82B | $8.92B | +$2.09B | +30.68% | +30.68% |
| 2016 | $6.18B | $6.82B | +$639.00M | +10.33% | +10.33% |
| 2015 | $5.34B | $6.18B | +$844.00M | +15.81% | +15.81% |
| 2014 | $5.68B | $5.34B | $-339.00M | -5.97% | -5.97% |
| 2013 | $5.64B | $5.68B | +$42.00M | +0.75% | +0.75% |
| 2012 | $5.52B | $5.64B | +$121.00M | +2.19% | +2.19% |
Quarterly Operating Cash Flow: QoQ & YoY
| Quarter | Value | QoQ | YoY |
|---|---|---|---|
| Q1 2026 | $2.18B | -11.0% | -0.8% |
| Q4 2025 | $2.45B | -6.9% | +4.3% |
| Q3 2025 | $2.64B | +3.0% | -4.6% |
| Q2 2025 | $2.56B | +16.4% | +3.1% |
| Q1 2025 | $2.20B | -6.5% | -2.1% |
| Q4 2024 | $2.35B | -14.8% | +1.6% |
| Q3 2024 | $2.76B | +11.2% | +11.3% |
| Q2 2024 | $2.48B | +10.5% | +30.2% |
| Q1 2024 | $2.25B | -3.0% | +19.2% |
| Q4 2023 | $2.32B | -6.6% | +25.4% |
| Q3 2023 | $2.48B | +30.1% | +51.9% |
| Q2 2023 | $1.91B | +1.2% | +5.0% |
| Q1 2023 | $1.89B | +2.1% | +35.1% |
| Q4 2022 | $1.85B | +13.0% | -7.8% |
| Q3 2022 | $1.63B | -10.1% | -10.0% |
| Q2 2022 | $1.82B | +30.2% | +26.1% |
QoQ = change vs the prior quarter; YoY = change vs the same quarter a year earlier.
About Synchrony Financial
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Brian D. Doubles