Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
78.37
-0.29 (-0.37%)
Jun 29, 2026, 4:00 PM EDT - Market closed
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 | -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 |