Skip to main content
logo
Synchrony Financial (SYF)
NYSE: SYF · Real-Time Price · USD
73.74
-0.33 (-0.45%)
Nov 6, 2026, 4:00 PM EST - Market closed

Synchrony Financial Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Net Income
8928858057511,0779677577747896431,293440628569601577703804932813
Depreciation & Amortization
44-5814313941-4612512012112111911811611311110110510610755
Other Amortization
106203--87168--------------
Gain (Loss) on Sale of Assets
-----------1,069---------
Total Asset Writedown
-------------------50
Provision for Credit Losses
1,2661,2011,3351,4421,1461,1461,4911,5611,5971,6911,8841,8041,4881,3831,2901,201929724521561
Accrued Interest Receivable
-240-114-124-327-206-32-33-19721211-2-322-140-149-34-271-20921865-155
Change in Other Net Operating Assets
245125-210257274228-322-41162-200-159270333-145-1582763245-425588
Other Operating Activities
185178234192218129182136731818275713776-3774-8019692
Operating Cash Flow
2,4982,4202,1832,4542,6372,5602,2002,3532,7632,4842,2482,3172,4821,9081,8861,8471,6341,8171,3962,004
Operating Cash Flow Growth (YoY)
-5.27%-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%

Investing Activities

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Cash Acquisitions
----161-------1,935---------
Investment in Securities
4-1,340-690371195-176375-734390330819-8521,434-2611,06783-112-373520131
Divestitures
----------491---------
Net Decrease (Increase) in Loans Originated / Sold - Investing
-2,317-3,6032,358-4,789-1,424-1,8213,428-4,031-2,453-2,5961,504-6,103-3,783-4,780-234-6,734-3,954-5301,415-5,768
Other Investing Activities
-222-244-144-63-345-244-200-198-168-241-81-214-219-148-141-207-76-149-117-127
Investing Cash Flow
-2,535-5,1871,524-4,642-1,574-2,2413,603-4,963-2,231-2,507798-7,169-2,568-5,189692-6,858-4,142-1,0521,818-5,764

Financing Activities

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Long-Term Debt Issued
--1,243---1,543---747---990-----
Total Debt Issued
2,089-1,2437479947461,543-1,4922007477471,297-9901,0502,1621,743-1,755
Long-Term Debt Repaid
-----------600----250----1,150-
Total Debt Repaid
-1,500----2,575-1,750--175-1,500-700-600--300-707-250-1,184--2,950-1,150-11
Net Debt Issued (Repaid)
589-1,243747-1,581-1,0041,543-175-8-500147747997-707740-1342,162-1,207-1,1501,744
Repurchase of Common Stock
-1,100-878-900-962-870-504-605-101-302-305-300-253-152-303-404-701-950-701-968-982
Preferred Stock Issued
-494--------488---------
Common Dividends Paid
-110-100-104-106-110-114-97-97-99-100-102-103-104-99-100-103-109-108-114-120
Preferred Dividends Paid
-28-21-21-21-20-21-21-21-21-19-11-11-10-10-11-10-11-11-10-10
Total Dividends Paid
-138-121-125-127-130-135-118-118-120-119-113-114-114-109-111-113-120-119-124-130
Net Increase (Decrease) in Deposit Accounts
143-891,7481,256-2,377-1,1751,370-241-818-4582,3963,0832,2981,3362,7203,3283,6911,1321,3021,913
Other Financing Activities
--2-87431-71181715-14102-1-33--4-4-361
Financing Cash Flow
-506-5961,879918-4,955-2,8172,119-617-1,231-1,3672,6043,4733,0312162,9122,3804,779-899-9762,546

Net Cash Flow

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Net Cash Flow
-543-3,3635,586-1,270-3,892-2,4987,922-3,227-699-1,3905,650-1,3792,945-3,0655,490-2,6312,271-1342,238-1,214

Additional Metrics

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Cash Interest Paid
---4,162---4,662---3,551---1,356---1,034
Cash Income Tax Paid
---710---1,087---1,125---1,290---1,112
SEC Filings: 10-K · 10-Q