SYF (Synchrony Financial) Ending Cash Position: $20,603 Mil (As of Mar. 2026)

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SYF Synchrony Financial SYF
76 GF Score
Price $73.62
GF Value $67.45
Valuation Fairly Valued
! 2 Warning Signs
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What is Synchrony Financial Ending Cash Position?

Synchrony Financial SYF -0.89% 76 Ending Cash Position is $20,603 Mil as of Mar. 2026. GuruFocus rates SYF with a GF Score™ of 76/100 and a GF Value™ of $67.45 (Fairly Valued). The stock has 2 warning signs investors should review.

Synchrony Financial's Ending Cash Position for the quarter that ended in Mar. 2026 was $20,603 Mil.

Synchrony Financial's quarterly Ending Cash Position declined from Sep. 2025 ($16,287 Mil) to Dec. 2025 ($15,017 Mil) but then increased from Dec. 2025 ($15,017 Mil) to Mar. 2026 ($20,603 Mil).

Synchrony Financial's annual Ending Cash Position increased from Dec. 2023 ($14,421 Mil) to Dec. 2024 ($14,755 Mil) and increased from Dec. 2024 ($14,755 Mil) to Dec. 2025 ($15,017 Mil).

Synchrony Financial Ending Cash Position Related Terms

Synchrony Financial Ending Cash Position Historical Data

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The historical data trend for Synchrony Financial's Ending Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Synchrony Financial Ending Cash Position Chart

Synchrony Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8,686.00 10,430.00 14,421.00 14,755.00 15,017.00

Synchrony Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Ending Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 22,677.00 20,179.00 16,287.00 15,017.00 20,603.00
SYF
76GF Score
Synchrony Financial SYF
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Synchrony Financial Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Synchrony Financial's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=14755+262
=15,017

Synchrony Financial's Ending Cash Position for the quarter that ended in Mar. 2026 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=15017+5586
=20,603

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $20,603 Mil mean?
Synchrony Financial (SYF) has a Ending Cash Position of $20,603 Mil as of Mar. 2026. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Synchrony Financial and its competitors.
Is Synchrony Financial's Ending Cash Position too high?
Synchrony Financial's current Ending Cash Position is $20,603 Mil. Overall, Synchrony Financial has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Ending Cash Position compare to AFRM and SOFI?
Synchrony Financial's Ending Cash Position of $20,603 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Ending Cash Position for a Credit Services company?
A good Ending Cash Position depends on the Credit Services industry context. However, Ending Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Synchrony Financial and its competitors. Synchrony Financial's current Ending Cash Position is $20,603 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Synchrony Financial stock overvalued right now?
Based on GuruFocus' analysis, Synchrony Financial (SYF) is currently considered Fairly Valued. The stock's GF Value™ is $67.45, compared to a current price of $73.62 — trading 9.1% above its estimated fair value. The current Ending Cash Position is $20,603 Mil. Synchrony Financial's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Ending Cash Position is $20,603 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Synchrony Financial (SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of $73.62 is trading 9.1% above its estimated GF Value™ of $67.45. GuruFocus considers Synchrony Financial to be Fairly Valued.

Key valuation signals for SYF:

  • Ending Cash Position: $20,603 Mil
  • GF Value™: $67.45 vs. price of $73.62 (9.1% above fair value)
  • GF Score™: 76/100 with 2 warning signs

No single metric tells the full story. See the SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Synchrony Financial Business Description

Address 777 Long Ridge Road, Stamford, CT, USA, 06902
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
76GF Score

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Ending Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$73.62
Price
$67.45
GF Value