Synchrony Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-	3,499	2,238	3,016	4,221
Depreciation & Amortization	-	481	458	419	390
Gain (Loss) on Sale of Assets	-	-1,069	-	-	-
Provision for Credit Losses	-	6,733	5,965	3,375	726
Accrued Interest Receivable	-	33	-645	-197	424
Change in Other Net Operating Assets	-	-238	300	-72	597
Other Operating Activities	-	409	277	153	741
Operating Cash Flow	-	9,848	8,593	6,694	7,099
Operating Cash Flow Growth	-	14.61%	28.37%	-5.71%	-5.18%
Cash Acquisitions	-	-1,935	-	-	-
Investment in Securities	-	805	1,388	118	2,090
Divestitures	-	491	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-7,576	-14,900	-9,803	-6,355
Other Investing Activities	-	-688	-722	-549	-549
Investing Cash Flow	-	-8,903	-14,234	-10,234	-4,814
Long-Term Debt Issued	-	2,439	3,034	4,955	3,105
Long-Term Debt Repaid	-	-2,975	-1,257	-5,284	-4,386
Net Debt Issued (Repaid)	-	-536	1,777	-329	-1,281
Repurchase of Common Stock	-	-1,008	-1,112	-3,320	-2,876
Preferred Stock Issued	-	488	-	-	-
Common Dividends Paid	-	-398	-406	-434	-500
Preferred Dividends Paid	-	-72	-42	-42	-42
Total Dividends Paid	-	-470	-448	-476	-542
Net Increase (Decrease) in Deposit Accounts	-	879	9,437	9,453	-534
Other Financing Activities	-	36	-22	-44	29
Financing Cash Flow	-	-611	9,632	5,284	-5,204
Net Cash Flow	-	334	3,991	1,744	-2,919
Cash Interest Paid	-	4,662	3,551	1,356	1,034
Cash Income Tax Paid	-	1,087	1,125	1,290	1,112

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