Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
77.12
+1.81 (2.40%)
At close: Jul 28, 2026, 4:00 PM EDT
77.10
-0.02 (-0.03%)
After-hours: Jul 28, 2026, 7:34 PM EDT
Synchrony Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
Net Income | 885 | 805 | 751 | 1,077 | 967 | 757 | 774 | 789 | 643 | 1,293 | 440 | 628 | 569 | 601 | 577 | 703 | 804 | 932 | 813 | 1,141 |
Depreciation & Amortization | 145 | 143 | 139 | 128 | 122 | 125 | 120 | 121 | 121 | 119 | 118 | 116 | 113 | 111 | 101 | 105 | 106 | 107 | 105 | 93 |
Provision for Credit Losses | 1,201 | 1,335 | 1,442 | 1,146 | 1,146 | 1,491 | 1,561 | 1,597 | 1,691 | 1,884 | 1,804 | 1,488 | 1,383 | 1,290 | 1,201 | 929 | 724 | 521 | 561 | 25 |
Other Adjustments | 178 | 234 | 192 | 218 | 129 | 182 | 136 | 73 | 18 | -887 | 7 | 57 | 137 | 76 | -37 | 74 | -80 | 196 | 92 | 200 |
Changes in Accrued Interest and Accounts Receivable | -114 | -124 | -327 | -206 | -32 | -33 | -197 | 21 | 211 | -2 | -322 | -140 | -149 | -34 | -271 | -209 | 218 | 65 | -155 | -17 |
Changes in Accrued Expenses | 190 | -312 | 248 | 151 | 238 | -323 | 71 | 47 | -35 | -204 | 300 | 172 | -2 | -177 | 229 | 69 | 22 | -413 | 472 | 302 |
Changes in Other Operating Activities | -65 | 102 | 9 | 123 | -10 | 1 | -112 | 115 | -165 | 45 | -30 | 161 | -143 | 19 | 47 | -37 | 23 | -12 | 116 | 71 |
Operating Cash Flow | 2,420 | 2,183 | 2,454 | 2,637 | 2,560 | 2,200 | 2,353 | 2,763 | 2,484 | 2,248 | 2,317 | 2,482 | 1,908 | 1,886 | 1,847 | 1,634 | 1,817 | 1,396 | 2,004 | 1,815 |
Operating Cash Flow Growth (YoY) | -5.47% | -0.77% | 4.29% | -4.56% | 3.06% | -2.14% | 1.55% | 11.32% | 30.19% | 19.19% | 25.45% | 51.90% | 5.01% | 35.10% | -7.83% | -9.97% | 26.09% | -24.09% | -3.93% | 22.39% |
Investing Activities
Fiscal Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
Net Change in Loans Held-for-Investment | -2,794 | 2,358 | -4,789 | -1,424 | -1,821 | 3,428 | -4,031 | -2,453 | -2,596 | 1,504 | -6,103 | -3,783 | -4,780 | -234 | -10,664 | -3,954 | -4,460 | 1,415 | -5,768 | -1,984 |
Net Change in Securities and Investments | -1,340 | -690 | 371 | 195 | -176 | 375 | -734 | 390 | 330 | 819 | -852 | 1,434 | -261 | 1,067 | 83 | -112 | -373 | 520 | 131 | 263 |
Cash Acquisitions | - | - | -161 | - | - | - | 0 | 0 | 0 | -1,935 | - | - | - | - | - | - | - | - | - | - |
Proceeds from Business Divestments | - | - | - | - | - | - | 0 | 0 | 0 | 491 | - | - | - | - | - | - | - | - | - | - |
Other Investing Activities | -244 | -144 | -63 | -345 | -244 | -200 | -198 | -168 | -241 | -81 | -214 | -219 | -148 | -141 | -207 | -76 | -149 | -117 | -127 | -113 |
Investing Cash Flow | -5,187 | 1,524 | -4,642 | -1,574 | -2,241 | 3,603 | -4,963 | -2,231 | -2,507 | 798 | -7,169 | -2,568 | -5,189 | 692 | -6,858 | -4,142 | -1,052 | 1,818 | -5,764 | -1,834 |
Financing Activities
Fiscal Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
Net Change in Deposits | -89 | 1,748 | 1,256 | -2,377 | -1,175 | 1,370 | -241 | -818 | -458 | 2,396 | 3,083 | 2,298 | 1,336 | 2,720 | 3,328 | 3,691 | 1,132 | 1,302 | 1,913 | 510 |
Long-Term Debt Issued | 0 | 1,243 | 1,244 | 497 | 746 | 1,543 | 372.5 | 1,120 | -1,447 | 747 | 747 | 3,244 | -740 | 990 | 0 | 2,162 | 1,743 | - | 744 | 300 |
Long-Term Debt Repaid | - | - | 0 | -2,575 | -1,750 | - | -175 | -1,500 | -700 | -600 | 0 | -1,997 | -707 | -250 | -1,184 | 0 | -1,450 | -1,150 | -11 | -1,000 |
Net Long-Term Debt Issued (Repaid) | 0 | 1,243 | 1,244 | -2,078 | -1,004 | 1,543 | 197.5 | -380.5 | -2,147 | 147 | 747 | 1,247 | -1,447 | 740 | -1,184 | 2,162 | 293 | -1,150 | 733 | -700 |
Repurchase of Common Stock | -878 | -900 | -962 | -870 | -504 | -605 | -101 | -302 | -305 | -300 | -253 | -152 | -303 | -404 | -701 | -950 | -701 | -968 | -982 | -1,301 |
Net Common Stock Issued (Repurchased) | -878 | -900 | -962 | -870 | -504 | -605 | -101 | -302 | -305 | -300 | -253 | -152 | -303 | -404 | -701 | -950 | -701 | -968 | -982 | -1,301 |
Issuance of Preferred Stock | - | - | - | - | - | - | 0 | 0 | 0 | 488 | - | - | - | - | - | - | - | - | - | - |
Net Preferred Stock Issued (Repurchased) | - | - | - | - | - | - | 0 | 0 | 0 | 488 | - | - | - | - | - | - | - | - | - | - |
Common Dividends Paid | -100 | -104 | -106 | -110 | -114 | -97 | -97 | -99 | -100 | -102 | -103 | -104 | -99 | -100 | -103 | -109 | -108 | -114 | -120 | -124 |
Preferred Share Dividends Paid | -21 | -21 | -21 | -20 | -21 | -21 | -21 | -21 | -19 | -11 | -11 | -10 | -10 | -11 | -10 | -11 | -11 | -10 | -10 | -11 |
Other Financing Activities | -2 | -87 | 4 | 3 | 1 | -71 | 18 | 17 | 15 | -14 | 10 | 2 | -1 | -33 | 0 | -4 | -4 | -36 | 1 | 3 |
Financing Cash Flow | -596 | 1,879 | 918 | -4,955 | -2,817 | 2,119 | -617 | -1,231 | -1,367 | 2,604 | 3,473 | 3,031 | 216 | 2,912 | 2,380 | 4,779 | -899 | -976 | 2,546 | -1,623 |
Net Cash Flow
Fiscal Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
Net Cash Flow | -3,363 | 5,586 | -1,270 | -3,892 | -2,498 | 7,922 | -3,227 | -699 | -1,390 | 5,650 | -1,379 | 2,945 | -3,065 | 5,490 | -2,631 | 2,271 | -134 | 2,238 | -1,214 | -1,642 |
Free Cash Flow
Fiscal Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
Free Cash Flow | 2,420 | 2,183 | 2,454 | 2,637 | 2,560 | 2,200 | 2,353 | 2,763 | 2,484 | 2,248 | 2,317 | 2,482 | 1,908 | 1,886 | 1,847 | 1,634 | 1,817 | 1,396 | 2,004 | 1,815 |
Free Cash Flow Growth (YoY) | -5.47% | -0.77% | 4.29% | -4.56% | 3.06% | -2.14% | 1.55% | 11.32% | 30.19% | 19.19% | 25.45% | 51.90% | 5.01% | 35.10% | -7.83% | -9.97% | 26.09% | -24.09% | -3.93% | 22.39% |
FCF Margin | 96.15% | 92.38% | 104.38% | 98.51% | 102.36% | 98.79% | 105.05% | 124.63% | 122.97% | 77.14% | 124.91% | 124.91% | 99.84% | 98.80% | 97.62% | 82.28% | 84.55% | 61.44% | 92.39% | 73.75% |
Free Cash Flow Per Share | 7.24 | 6.31 | 6.86 | 7.13 | 6.75 | 5.65 | 5.96 | 6.97 | 6.17 | 5.51 | 5.59 | 5.93 | 4.50 | 4.31 | 4.11 | 3.47 | 3.67 | 2.69 | 3.69 | 3.21 |