Synchrony Financial (SYF) quarterly cash flow statement — complete operating, investing & financing history
Synchrony Financial (SYF) cash flow statement — 14-year operating, investing & financing cash flows
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Cash from Operations | 2.5B | 2.42B | 2.18B | 2.45B | 2.64B | 2.56B | 2.2B | 2.35B | 2.76B | 2.48B | 2.25B | 2.32B | 2.48B | 1.91B | 1.89B | 1.85B | 1.63B | 1.82B | 1.4B | 2B |
| Operating CF Growth % | -5.27% | -5.47% | -0.77% | 4.29% | -4.56% | 3.06% | -2.14% | 1.55% | 11.32% | 30.19% | 19.19% | 25.45% | 51.9% | 5.01% | 35.1% | -7.83% | -9.97% | 26.09% | -24.09% | -3.93% |
| Net Income | 892M | 885M | 805M | 751M | 1.08B | 967M | 757M | 774M | 789M | 643M | 1.29B | 440M | 628M | 569M | 601M | 577M | 703M | 804M | 932M | 813M |
| Depreciation & Amortization | 150M | 145M | 143M | 139M | 128M | 122M | 125M | 120M | 121M | 121M | 119M | 118M | 116M | 113M | 111M | 101M | 105M | 106M | 107M | 105M |
| Deferred Taxes | -44M | 6M | 28M | 13M | 140M | -23M | 54M | -18M | -72M | -35M | 27M | -187M | -120M | -63M | -88M | -236M | -111M | -123M | 49M | -11M |
| Other Non-Cash Items | 1.5B | 1.37B | 1.54B | 1.62B | 1.22B | 1.3B | 1.62B | 1.72B | 1.74B | 1.74B | 970M | 2B | 1.67B | 1.58B | 1.45B | 1.4B | 1.11B | 767M | 668M | 103M |
| Working Capital Changes | 5M | 11M | -334M | -70M | 68M | 196M | -355M | -238M | 183M | 11M | -161M | -52M | 193M | -294M | -192M | 5M | -177M | 263M | -360M | 433M |
| Cash from Investing | -2.54B | -5.19B | 1.52B | -4.64B | -1.57B | -2.24B | 3.6B | -4.96B | -2.23B | -2.51B | 798M | -7.17B | -2.57B | -5.19B | 692M | -6.86B | -4.14B | -1.05B | 1.82B | -5.76B |
| Purchase of Investments | -1.1B | -1.7B | -1.19B | -10M | -171M | -526M | -480M | -1.39B | -375M | -884M | -163M | -1.98B | -430M | -821M | -391M | -242M | -964M | -1.18B | -1.48B | -700M |
| Sale/Maturity of Investments | 1.11B | 355M | 500M | 381M | 366M | 350M | 855M | 655M | 765M | 1.21B | 982M | 1.13B | 1.86B | 560M | 1.46B | 325M | 852M | 809M | 2B | 831M |
| Net Investment Activity | 4M | -1.34B | -690M | 371M | 195M | -176M | 375M | -734M | 390M | 330M | 819M | -852M | 1.43B | -261M | 1.07B | 83M | -112M | -373M | 520M | 131M |
| Acquisitions | 0 | 0 | 0 | -161M | 0 | 0 | 0 | 0 | 0 | 0 | -1.44B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -2.54B | -3.85B | 2.21B | -4.85B | -1.77B | -2.06B | 3.23B | -4.23B | -2.62B | -2.84B | 1.42B | -6.32B | -4B | -4.93B | -375M | -6.94B | -4.03B | -679M | 1.3B | -5.89B |
| Cash from Financing | -506M | -596M | 1.88B | 918M | -4.96B | -2.82B | 2.12B | -617M | -1.23B | -1.37B | 2.6B | 3.47B | 3.03B | 216M | 2.91B | 2.38B | 4.78B | -899M | -976M | 2.55B |
| Dividends Paid | -138M | -121M | -125M | -127M | -130M | -135M | -118M | -118M | -120M | -119M | -113M | -114M | -114M | -109M | -111M | -113M | -120M | -119M | -124M | -130M |
| Share Repurchases | -1.1B | -878M | -900M | -962M | -870M | -504M | -605M | -101M | -302M | -305M | -300M | -253M | -152M | -303M | -404M | -701M | -950M | -701M | -968M | -982M |
| Stock Issued | 0 | 494M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -1.1B | -384M | -900M | -962M | -870M | -504M | -605M | -101M | -302M | -305M | -300M | -253M | -152M | -303M | -404M | -701M | -950M | -701M | -968M | -982M |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | 143M | 19M | 1.66B | 1.26B | -2.37B | -1.17B | 1.3B | -223M | -801M | -443M | 2.38B | 3.09B | 2.3B | 1.33B | 2.69B | 3.33B | 3.69B | 2.87B | 1.27B | 1.91B |
| Net Change in Cash | -543M | -4.37B | 5.59B | -1.27B | -3.89B | -2.5B | 7.92B | -3.23B | -699M | -1.39B | 5.65B | -1.38B | 2.94B | -3.06B | 5.49B | -2.63B | 2.27B | -134M | 2.24B | -1.21B |
| Exchange Rate Effect | 0 | -1B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 17.24B | 20.6B | 15.02B | 16.29B | 20.18B | 22.68B | 14.76B | 17.98B | 18.68B | 20.07B | 14.42B | 15.8B | 12.86B | 15.92B | 10.43B | 13.06B | 10.79B | 10.92B | 8.69B | 9.9B |
| Cash at End | 16.7B | 16.19B | 20.6B | 15.02B | 16.29B | 20.18B | 22.68B | 14.76B | 17.98B | 18.68B | 20.07B | 14.42B | 15.8B | 12.86B | 15.92B | 10.43B | 13.06B | 10.79B | 10.92B | 8.69B |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 2.5B | 2.42B | 2.18B | 2.45B | 2.64B | 2.56B | 2.2B | 2.35B | 2.76B | 2.48B | 2.25B | 2.32B | 2.48B | 1.91B | 1.89B | 1.85B | 1.63B | 1.82B | 1.4B | 2B |
| FCF Growth % | -5.27% | -5.47% | -0.77% | 4.29% | -4.56% | 3.06% | -2.14% | 1.55% | 11.32% | 30.19% | 19.19% | 25.45% | 51.9% | 5.01% | 35.1% | -7.83% | -9.97% | 26.09% | -24.09% | -3.93% |