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Synchrony Financial (SYF)
NYSE:SYF
US Market
SYF
Synchrony Financial
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Synchrony Financial (SYF) Ratios

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Synchrony Financial Ratios

SYF's free cash flow for Q4 2025 was $0.49. For the 2025 fiscal year, SYF's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.21 0.22 0.22 0.20
Quick Ratio
 0.00 0.21 0.22 0.22 0.20
Cash Ratio
 0.00 0.18 0.18 0.18 0.13
Solvency Ratio
 0.04 0.04 0.04 0.03 0.04
Operating Cash Flow Ratio
 0.00 0.12 0.12 0.11 0.09
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ 5.19B$ -85.01B$ -85.09B$ -85.52B$ -76.52B
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.13 0.13 0.14 0.14
Debt-to-Equity Ratio
 0.00 0.91 0.93 1.15 1.10
Debt-to-Capital Ratio
 0.00 0.48 0.48 0.53 0.52
Long-Term Debt-to-Capital Ratio
 0.00 0.48 0.48 0.53 0.52
Financial Leverage Ratio
 7.37 7.10 7.21 8.45 8.12
Debt Service Coverage Ratio
 0.96 0.98 0.86 0.73 2.26
Interest Coverage Ratio
 1.13 1.12 0.98 0.78 2.60
Debt to Market Cap
 0.00 0.51 0.60 0.99 0.90
Interest Debt Per Share
 11.73 53.98 50.68 46.75 32.71
Net Debt to EBITDA
 -4.16 0.04 0.15 0.51 0.89
Profitability Margins
Gross Profit Margin
61.08%51.04%45.24%44.19%62.90%
EBIT Margin
22.85%24.17%21.93%16.75%30.03%
EBITDA Margin
24.81%26.86%24.25%19.39%33.20%
Operating Profit Margin
22.85%24.17%21.93%16.75%30.03%
Pretax Profit Margin
23.52%24.17%21.93%16.75%30.03%
Net Profit Margin
18.08%18.58%16.86%12.91%22.86%
Continuous Operations Profit Margin
18.08%18.58%16.86%12.91%22.86%
Net Income Per EBT
76.86%76.87%76.85%77.07%76.12%
EBT Per EBIT
102.92%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
2.96%2.98%2.93%1.91%2.88%
Return on Equity (ROE)
21.41%21.19%21.10%16.10%23.43%
Return on Capital Employed (ROCE)
3.75%12.18%12.17%7.99%14.64%
Return on Invested Capital (ROIC)
3.10%9.36%9.36%6.16%11.14%
Return on Tangible Assets
3.03%3.05%2.98%1.94%2.94%
Earnings Yield
13.36%11.90%13.58%13.91%19.11%
Efficiency Ratios
Receivables Turnover
 0.22 0.00 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 0.00 0.00 0.00
Asset Turnover
 0.16 0.16 0.17 0.15 0.13
Working Capital Turnover Ratio
 0.86 -0.30 -0.33 -0.28 -0.23
Cash Conversion Cycle
 1.64K 0.00 0.00 0.00 0.00
Days of Sales Outstanding
 1.64K 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 1.64K 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 28.77 27.53 24.84 20.40 13.93
Free Cash Flow Per Share
 28.77 27.53 24.84 20.40 13.93
CapEx Per Share
 0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 19.32 19.32 20.95 19.18 14.06
Capital Expenditure Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
 0.00 0.65 0.64 0.54 0.47
Operating Cash Flow to Sales Ratio
 0.49 0.52 0.47 0.50 0.51
Free Cash Flow Yield
36.02%33.00%38.21%53.42%42.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.48 8.41 7.37 7.19 5.23
Price-to-Sales (P/S) Ratio
 1.37 1.56 1.24 0.93 1.20
Price-to-Book (P/B) Ratio
 1.63 1.78 1.55 1.16 1.23
Price-to-Free Cash Flow (P/FCF) Ratio
 2.77 3.03 2.62 1.87 2.36
Price-to-Operating Cash Flow Ratio
 2.73 3.03 2.62 1.87 2.36
Price-to-Earnings Growth (PEG) Ratio
 1.85 1.02 0.11 -0.45 -0.32
Price-to-Fair Value
 1.63 1.78 1.55 1.16 1.23
Enterprise Value Multiple
 1.37 5.85 5.27 5.30 4.49
Enterprise Value
 6.79B 30.06B 26.52B 17.81B 19.68B
EV to EBITDA
 1.38 5.85 5.27 5.30 4.49
EV to Sales
 0.34 1.57 1.28 1.03 1.49
EV to Free Cash Flow
 0.69 3.05 2.69 2.07 2.94
EV to Operating Cash Flow
 0.69 3.05 2.69 2.07 2.94
Tangible Book Value Per Share
 40.57 39.54 36.45 28.66 22.95
Shareholders’ Equity Per Share
 48.12 46.85 41.82 33.01 26.80
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.23 0.23 0.24
Revenue Per Share
 58.16 53.42 52.36 41.16 27.47
Net Income Per Share
 10.51 9.93 8.82 5.31 6.28
Tax Burden
 0.77 0.77 0.77 0.77 0.76
Interest Burden
 1.03 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.17 0.14 0.11 0.11 0.13
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 2.77 2.77 2.81 3.84 2.22
Currency in USD