Synchrony Financial SYF NYSE

Synchrony Financial (SYF) generated $2.45B in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $0.00, free cash flow was $2.45B.

Free cash flow margin was 51.5% of revenue. Cash conversion ratio was 3.27x, indicating earnings are backed by cash.

The company returned $106M in dividends and $962M in share buybacks to shareholders during the quarter.

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 3.27x confirms earnings are backed by real cash flow

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