Skip to main content
logo
Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
77.08
-0.97 (-1.24%)
At close: Aug 31, 2026, 4:00 PM EDT
77.40
+0.32 (0.42%)
After-hours: Aug 31, 2026, 5:46 PM EDT

Synchrony Financial Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
3,5183,5523,4992,2383,0164,221
Depreciation & Amortization
520514481458419390
Gain (Loss) on Sale of Assets
---1,069---
Provision for Credit Losses
5,1245,2256,7335,9653,375726
Accrued Interest Receivable
-771-59833-645-197424
Change in Other Net Operating Assets
446437-238300-72597
Other Operating Activities
822721409277153741
Operating Cash Flow
9,6949,8519,8488,5936,6947,099
Operating Cash Flow Growth
-1.84%0.03%14.61%28.37%-5.71%-5.18%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Acquisitions
-161-161-1,935---
Investment in Securities
-1,4647658051,3881182,090
Divestitures
--491---
Net Decrease (Increase) in Loans Originated / Sold - Investing
-7,458-4,606-7,576-14,900-9,803-6,355
Other Investing Activities
-796-852-688-722-549-549
Investing Cash Flow
-9,879-4,854-8,903-14,234-10,234-4,814

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
-4,0302,4393,0344,9553,105
Long-Term Debt Repaid
--4,325-2,975-1,257-5,284-4,386
Net Debt Issued (Repaid)
409-295-5361,777-329-1,281
Repurchase of Common Stock
-3,610-2,941-1,008-1,112-3,320-2,876
Preferred Stock Issued
494-488---
Common Dividends Paid
-420-427-398-406-434-500
Preferred Dividends Paid
-83-83-72-42-42-42
Total Dividends Paid
-503-510-470-448-476-542
Net Increase (Decrease) in Deposit Accounts
538-9268799,4379,453-534
Other Financing Activities
-82-6336-22-4429
Financing Cash Flow
-2,754-4,735-6119,6325,284-5,204

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
-2,9392623343,9911,744-2,919

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
4,1624,1624,6623,5511,3561,034
Cash Income Tax Paid
7107101,0871,1251,2901,112
SEC Filings: 10-K · 10-Q