Synchrony Financial (SYF) FCF Payout Ratio: 4.37%
Is Synchrony Financial’s FCF payout ratio high or low?
Synchrony Financial's FCF payout ratio of 4.37% is 30% below its 5-year average of 6.24%, near the low end of its 5-year range (4.37%–7.63%).
12.16% below its 12-month average of 4.97%.
SYF FCF Payout Ratio Chart
SYF Average FCF Payout Ratio Chart
SYF Current vs Average FCF Payout Ratio Chart
SYF FCF Payout Ratio Metrics
FCF PAYOUT RATIO
4.37%
FCF PAYOUT RATIO AVG TTM
4.97%
FCF PAYOUT RATIO AVG 3Y
5.57%
FCF PAYOUT RATIO AVG 5Y
6.24%
FCF PAYOUT RATIO AVG 10Y
5.77%
FCF PAYOUT RATIO AVG 15Y
5.77%
FCF PAYOUT RATIO AVG 20Y
5.77%
CURRENT VS TTM AVG
-12.16%
CURRENT VS 3Y AVG
-21.52%
CURRENT VS 5Y AVG
-29.92%
CURRENT VS 10Y AVG
-24.31%
CURRENT VS 15Y AVG
-24.31%
CURRENT VS 20Y AVG
-24.31%
Payout Ratio Comparison
FCF Payout Ratio
4.4%
Earnings Payout Ratio
12.8%
Dividend Yield
1.73%
FCF Yield
41.15%
Annual FCF Payout Ratio History
| Year | Free Cash Flow | Dividends Paid | FCF Payout Ratio |
|---|---|---|---|
| 2025 | $9.85B | $510.00M | 5.2% |
| 2024 | $9.85B | $470.00M | 4.8% |
| 2023 | $8.59B | $448.00M | 5.2% |
| 2022 | $6.69B | $476.00M | 7.1% |
| 2021 | $7.10B | $542.00M | 7.6% |
| 2020 | $7.49B | $562.00M | 7.5% |
| 2019 | $8.99B | $581.00M | 6.5% |
| 2018 | $9.34B | $534.00M | 5.7% |
| 2017 | $8.92B | $446.00M | 5.0% |
| 2016 | $6.82B | $214.00M | 3.1% |
| 2015 | $6.18B | $0 | 0.0% |
| 2014 | $5.34B | $0 | 0.0% |
| 2013 | ($1.59B) | $0 | N/A (Loss) |
| 2012 | $5.64B | $0 | 0.0% |
| 2011 | $838.00M | $0 | 0.0% |
Formula: FCF Payout Ratio = Dividends Paid / Free Cash Flow × 100
FCF payout and earnings payout:
- FCF represents operating cash flow after capital expenditures
- FCF payout compares dividends paid with free cash flow
- FCF payout above 100% means dividends paid exceeded free cash flow for the period
- Earnings payout compares dividends paid with net income
Reading the series: Use the chart and table to compare dividend payments with cash generation over time.
Synchrony Financial FCF Payout Ratio Formula & Definition
FCF Payout Ratio measures what percentage of free cash flow is paid out as dividends. Unlike earnings-based payout, it compares dividends with cash generated after capital expenditures.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Synchrony Financial FCF Payout Ratio FAQ
- What is the FCF payout ratio for Synchrony Financial (SYF)?
- The FCF payout ratio for SYF stock is 4.37%.
- Is Synchrony Financial's FCF payout ratio high or low?
- Synchrony Financial's FCF payout ratio of 4.37% is 30% below its 5-year average of 6.24%, near the low end of its 5-year range (4.37%–7.63%).
- What is the TTM average FCF payout ratio for Synchrony Financial (SYF)?
- The TTM average FCF payout ratio for SYF stock is 4.97%.
- What is the 3Y average FCF payout ratio for Synchrony Financial (SYF)?
- The 3Y average FCF payout ratio for SYF stock is 5.57%.
- What is the 5Y average FCF payout ratio for Synchrony Financial (SYF)?
- The 5Y average FCF payout ratio for SYF stock is 6.24%.
- What is the 10Y average FCF payout ratio for Synchrony Financial (SYF)?
- The 10Y average FCF payout ratio for SYF stock is 5.77%.
- What is the 15Y average FCF payout ratio for Synchrony Financial (SYF)?
- The 15Y average FCF payout ratio for SYF stock is 5.77%.
- What is the 20Y average FCF payout ratio for Synchrony Financial (SYF)?
- The 20Y average FCF payout ratio for SYF stock is 5.77%.
Synchrony Financial FCF Payout Ratio History
| DATE | FCF PAYOUT RATIO |
|---|---|
| 2025-12-31 | 5.18% |
| 2024-12-31 | 4.77% |
| 2023-12-31 | 5.21% |
| 2022-12-31 | 7.11% |
| 2021-12-31 | 7.63% |
| 2020-12-31 | 7.51% |
| 2019-12-31 | 6.46% |
| 2018-12-31 | 5.72% |
| 2017-12-31 | 5.00% |
| 2016-12-31 | 3.14% |
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