Synchrony Financial (MUN:SFE)

Synchrony Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	3,575	3,499	2,238	3,016	4,221	1,385
Depreciation & Amortization	495	481	458	419	390	353
Gain (Loss) on Sale of Assets	-	-1,069	-	-	-	-
Total Asset Writedown	-	-	-	-	-	30
Provision for Credit Losses	5,344	6,733	5,965	3,375	726	5,310
Accrued Interest Receivable	-468	33	-645	-197	424	339
Change in Other Net Operating Assets	139	-238	300	-72	597	-48
Other Operating Activities	665	409	277	153	741	118
Operating Cash Flow	9,750	9,848	8,593	6,694	7,099	7,487
Operating Cash Flow Growth	-0.63%	14.61%	28.37%	-5.71%	-5.18%	-16.72%
Cash Acquisitions	-	-1,935	-	-	-	-
Investment in Securities	-340	805	1,388	118	2,090	-1,530
Divestitures	-	491	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-3,848	-7,576	-14,900	-9,803	-6,355	1,422
Other Investing Activities	-987	-688	-722	-549	-549	-390
Investing Cash Flow	-5,175	-8,903	-14,234	-10,234	-4,814	-498
Long-Term Debt Issued	-	2,439	3,034	4,955	3,105	675
Long-Term Debt Repaid	-	-2,975	-1,257	-5,284	-4,386	-4,783
Net Debt Issued (Repaid)	-1,217	-536	1,777	-329	-1,281	-4,108
Repurchase of Common Stock	-2,080	-1,008	-1,112	-3,320	-2,876	-985
Preferred Stock Issued	-	488	-	-	-	-
Common Dividends Paid	-418	-398	-406	-434	-500	-520
Preferred Dividends Paid	-83	-72	-42	-42	-42	-42
Total Dividends Paid	-501	-470	-448	-476	-542	-562
Net Increase (Decrease) in Deposit Accounts	-2,423	879	9,437	9,453	-534	-2,369
Other Financing Activities	-49	36	-22	-44	29	-7
Financing Cash Flow	-6,270	-611	9,632	5,284	-5,204	-8,031
Net Cash Flow	-1,695	334	3,991	1,744	-2,919	-1,042
Cash Interest Paid	4,662	4,662	3,551	1,356	1,034	1,691
Cash Income Tax Paid	1,087	1,087	1,125	1,290	1,112	847

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