Synchrony Financial — Earnings Quality Grade A
SYF · Financial Services
Strong financial health
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue -7.1%, CFFO 0.0%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.77. Profits backed by cash
FCF $9.9B, FCF/NI = 2.77
Accruals ratio = -5.3%. Low accruals
Cash $15.0B covers 99% of debt $15.2B
Balance Sheet Health
Goodwill+Intangibles $2.6B = 16% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 23% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Synchrony Financial is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09