Synchrony Financial SYF NYSE

Synchrony Financial (SYF) generated $9.85B in operating cash flow for fiscal year 2025. After capital expenditures of $0.00, free cash flow was $9.85B.

Free cash flow margin was 51.5% of revenue. Cash conversion ratio was 2.77x, indicating earnings are backed by cash.

The company returned $427M in dividends and $2.94B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (17/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (69/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (70/100) — Cash conversion ratio was 2.77x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 70/100 with 5/7 criteria passed.