Synchrony Financial (BIT:1SYF)

Synchrony Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	3,552	3,499	2,238	3,016	4,221
Depreciation & Amortization	514	481	458	419	390
Gain (Loss) on Sale of Assets	-	-1,069	-	-	-
Provision for Credit Losses	5,225	6,733	5,965	3,375	726
Accrued Interest Receivable	-598	33	-645	-197	424
Change in Other Net Operating Assets	437	-238	300	-72	597
Other Operating Activities	721	409	277	153	741
Operating Cash Flow	9,851	9,848	8,593	6,694	7,099
Operating Cash Flow Growth	0.03%	14.61%	28.37%	-5.71%	-5.18%
Cash Acquisitions	-161	-1,935	-	-	-
Investment in Securities	765	805	1,388	118	2,090
Divestitures	-	491	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4,606	-7,576	-14,900	-9,803	-6,355
Other Investing Activities	-852	-688	-722	-549	-549
Investing Cash Flow	-4,854	-8,903	-14,234	-10,234	-4,814
Long-Term Debt Issued	4,030	2,439	3,034	4,955	3,105
Long-Term Debt Repaid	-4,325	-2,975	-1,257	-5,284	-4,386
Net Debt Issued (Repaid)	-295	-536	1,777	-329	-1,281
Repurchase of Common Stock	-2,941	-1,008	-1,112	-3,320	-2,876
Preferred Stock Issued	-	488	-	-	-
Common Dividends Paid	-427	-398	-406	-434	-500
Preferred Dividends Paid	-83	-72	-42	-42	-42
Total Dividends Paid	-510	-470	-448	-476	-542
Net Increase (Decrease) in Deposit Accounts	-926	879	9,437	9,453	-534
Other Financing Activities	-63	36	-22	-44	29
Financing Cash Flow	-4,735	-611	9,632	5,284	-5,204
Net Cash Flow	262	334	3,991	1,744	-2,919
Cash Interest Paid	4,162	4,662	3,551	1,356	1,034
Cash Income Tax Paid	710	1,087	1,125	1,290	1,112

Source: S&P Global Market Intelligence. Banks template. Financial Sources.