Synchrony Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	3,600	3,552	3,499	2,238	3,016	4,221
Depreciation & Amortization	532	514	481	458	419	390
Provision for Credit Losses	5,069	5,225	6,733	5,965	3,375	726
Other Adjustments	773	721	-660	277	153	741
Changes in Accrued Interest and Accounts Receivable	-689	-598	33	-645	-197	424
Changes in Accrued Expenses	325	314	-121	293	-93	560
Changes in Other Operating Activities	224	123	-117	7	21	37
Operating Cash Flow	9,834	9,851	9,848	8,593	6,694	7,099
Operating Cash Flow Growth	1.57%	0.03%	14.61%	28.37%	-5.71%	-5.18%
Net Change in Loans Held-for-Investment	-5,676	-4,606	-7,576	-14,900	-13,733	-6,355
Net Change in Securities and Investments	-300	765	805	1,388	118	2,090
Payments for Business Acquisitions	-161	-161	-1,935	-	-	-
Proceeds from Business Divestments	-	-	491	-	3,930	-
Other Investing Activities	-796	-852	-688	-722	-549	-549
Investing Cash Flow	-6,933	-4,854	-8,903	-14,234	-10,234	-4,814
Net Change in Deposits	-548	-926	879	9,437	9,453	-534
Long-Term Debt Issued	3,730	4,030	2,439	3,034	4,955	3,105
Long-Term Debt Repaid	-4,325	-4,325	-2,975	-1,257	-5,284	-4,386
Net Long-Term Debt Issued (Repaid)	-595	-295	-536	1,777	-329	-1,281
Repurchase of Common Stock	-3,236	-2,941	-1,008	-1,112	-3,320	-2,876
Net Common Stock Issued (Repurchased)	-3,236	-2,941	-1,008	-1,112	-3,320	-2,876
Issuance of Preferred Stock	-	-	488	-	-	-
Net Preferred Stock Issued (Repurchased)	-	-	488	-	-	-
Common Dividends Paid	-434	-427	-398	-406	-434	-500
Preferred Share Dividends Paid	-83	-83	-72	-42	-42	-42
Other Financing Activities	-79	-63	36	-22	-44	29
Financing Cash Flow	-4,975	-4,735	-611	9,632	5,284	-5,204
Net Cash Flow	-2,074	262	334	3,991	1,744	-2,919
Free Cash Flow	9,834	9,851	9,848	8,593	6,694	7,099
Free Cash Flow Growth	-0.17%	0.03%	14.61%	28.37%	-5.71%	-5.18%
FCF Margin	99.41%	100.97%	104.86%	112.15%	80.66%	74.99%
Free Cash Flow Per Share	27.08	26.35	24.58	20.29	13.85	12.47
Levered Free Cash Flow	3,314	3,527	3,167	4,086	2,795	4,309
Unlevered Free Cash Flow	392	353	276	113	150	1,411

SEC Filings: 10-K · 10-Q