Synchrony Financial (SYF)

Synchrony Financial Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	3,333	3,552	3,499	2,238	3,016	4,221
Depreciation & Amortization	523	514	481	458	419	390
Gain (Loss) on Sale of Assets	-	-	-1,069	-	-	-
Provision for Credit Losses	5,244	5,225	6,733	5,965	3,375	726
Accrued Interest Receivable	-805	-598	33	-645	-197	424
Change in Other Net Operating Assets	417	437	-238	300	-72	597
Other Operating Activities	789	721	409	277	153	741
Operating Cash Flow	9,555	9,851	9,848	8,593	6,694	7,099
Operating Cash Flow Growth	-2.00%	0.03%	14.61%	28.37%	-5.71%	-5.18%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Acquisitions	-161	-161	-1,935	-	-	-
Investment in Securities	-1,655	765	805	1,388	118	2,090
Divestitures	-	-	491	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-8,351	-4,606	-7,576	-14,900	-9,803	-6,355
Other Investing Activities	-673	-852	-688	-722	-549	-549
Investing Cash Flow	-10,840	-4,854	-8,903	-14,234	-10,234	-4,814

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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)	2,579	-295	-536	1,777	-329	-1,281
Repurchase of Common Stock	-3,840	-2,941	-1,008	-1,112	-3,320	-2,876
Preferred Stock Issued	494	-	488	-	-	-
Common Dividends Paid	-420	-427	-398	-406	-434	-500
Preferred Dividends Paid	-91	-83	-72	-42	-42	-42
Total Dividends Paid	-511	-510	-470	-448	-476	-542
Net Increase (Decrease) in Deposit Accounts	3,058	-926	879	9,437	9,453	-534
Other Financing Activities	-85	-63	36	-22	-44	29
Financing Cash Flow	1,695	-4,735	-611	9,632	5,284	-5,204

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	410	262	334	3,991	1,744	-2,919

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	4,162	4,162	4,662	3,551	1,356	1,034
Cash Income Tax Paid	710	710	1,087	1,125	1,290	1,112

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 26, 2026

Data Sources Report a data error