Synchrony Financial Cash Flow Statement (2013-2026)

Reported Financials

Synchrony Financial Quarterly Cash Flow Statement

Periods 54 quarters

Latest Jun 2026

Synchrony Financial reported cash from operations of $2.42B and free cash flow of $2.42B for the quarter ended Jun 2026, down 5.5% year over year. This cash flow statement covers 54 quarters of results from Mar 2013 through Jun 2026, standardized by Business Quant from the company’s SEC filings.

Cash Flow Statement	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026	Jun2026
Operating Activities
Net Income	1.14B	0.81B	0.93B	0.80B	0.70B	0.58B	0.60B	0.57B	0.63B	0.44B	1.29B	0.64B	0.79B	0.77B	0.76B	0.97B	1.08B	0.75B	0.81B	0.89B
Deferred Taxes	0.05B	-0.01B	0.05B	-0.12B	-0.11B	-0.24B	-0.09B	-0.06B	-0.12B	-0.19B	0.03B	-0.04B	-0.07B	-0.02B	0.05B	-0.02B	0.14B	0.01B	0.03B	0.01B
Provision for Losses	0.03B	0.56B	0.52B	0.72B	0.93B	1.20B	1.29B	1.38B	1.49B	1.80B	1.88B	1.69B	1.60B	1.56B	1.49B	1.15B	1.15B	1.44B	1.33B	1.20B
Cash from Operations	1.81B	2.00B	1.40B	1.82B	1.63B	1.85B	1.89B	1.91B	2.48B	2.32B	2.25B	2.48B	2.76B	2.35B	2.20B	2.56B	2.64B	2.45B	2.18B	2.42B
Depreciation, Depletion & Amortization
Depreciation & Amortization (CF)Depreciation & Amortization	0.09B	0.10B	0.11B	0.11B	0.10B	0.10B	0.11B	0.11B	0.12B	0.12B	0.12B	0.12B	0.12B	0.12B	0.12B	0.12B	0.13B	0.14B	0.14B	0.14B
Change in Working Capital
Change in Accured Expenses	0.30B	0.47B	-0.41B	0.02B	0.07B	0.23B	-0.18B	-0.00B	0.17B	0.30B	-0.20B	-0.04B	0.05B	0.07B	-0.32B	0.24B	0.15B	0.25B	-0.31B	0.19B
Change in Other Operating AssetsOther Assets Change	0.02B	0.15B	-0.07B	-0.22B	0.21B	0.27B	0.03B	0.15B	0.14B	0.32B	-0.04B	-0.16B	-0.02B	0.35B	0.03B	0.03B	0.21B	0.33B	0.12B	0.11B
Other Working Capital Changes	0.15B	0.10B	0.15B	0.04B	0.18B	0.20B	0.16B	0.20B	0.18B	0.19B	0.15B	0.05B	0.14B	0.15B	0.13B	0.15B	0.08B	0.18B	0.21B	0.17B
Investing Activities
Change in Net Loans	1.98B	5.77B	-1.42B	4.46B	3.95B	6.73B	0.23B	4.78B	3.78B	6.10B	-1.50B	2.60B	2.45B	4.03B	-3.43B	1.82B	1.42B	4.79B	-2.36B	2.79B
Acquisitions											1.94B							0.16B
Divestments											0.49B			0.10B
Net of Acquisitions & Divestments											-1.44B			0.10B				-0.16B
Purchase of InvestmentsInvestments Purchased	0.15B	0.70B	1.48B	1.18B	0.96B	0.24B	0.39B	0.82B	0.43B	1.98B	0.16B	0.88B	0.38B	1.39B	0.48B	0.53B	0.17B	0.01B	1.19B	1.70B
Sale and Maturity of InvestmentsInvestments Sold	0.41B	0.83B	2.00B	0.81B	0.85B	0.33B	1.46B	0.56B	1.86B	1.13B	0.98B	1.21B	0.77B	0.66B	0.85B	0.35B	0.37B	0.38B	0.50B	0.35B
Other Investing ActivitiesOther investing	-0.11B	-0.13B	-0.12B	-0.15B	-0.08B	-0.21B	-0.14B	-0.15B	-0.22B	-0.21B	-0.08B	-0.24B	-0.17B	-0.20B	-0.20B	-0.24B	-0.34B	-0.06B	-0.14B	-0.24B
Cash from Investing Activities	-1.83B	-5.76B	1.82B	-1.05B	-4.14B	-6.86B	0.69B	-5.19B	-2.57B	-7.17B	0.80B	-2.51B	-2.23B	-4.96B	3.60B	-2.24B	-1.57B	-4.64B	1.52B	-5.19B
Financing Activities
Other financing activities	0.00B	0.00B	-0.04B	-0.00B	-0.00B		-0.03B	-0.00B	0.00B	0.01B	-0.01B	0.01B	0.02B	0.02B	-0.07B	0.00B	0.00B	0.00B	-0.09B	-0.00B
Debt Issuance and Repayment
Long-Term Debt Issuances	0.30B	1.01B		1.00B	1.24B	0.48B	0.74B		0.81B	0.75B	0.75B	0.20B	0.75B		0.80B	0.70B	0.29B	0.45B	0.74B
Long-Term Debt Repayments	1.00B	0.01B	1.15B	1.45B		1.18B	0.25B	0.71B	0.30B		0.60B	0.10B	1.15B			1.00B	1.65B
Non-Current Debt	-0.70B	1.00B	-1.15B	-0.45B	1.24B	-0.70B	0.49B	-0.71B	0.51B	0.75B	0.15B	0.10B	-0.40B		0.80B	-0.30B	-1.36B	0.45B	0.74B
Net Debt Issuances and Repayments	-0.70B	1.00B	-1.15B	-0.45B	1.24B	-0.70B	0.49B	-0.71B	0.51B	0.75B	0.15B	0.10B	-0.40B		0.80B	-0.30B	-1.36B	0.45B	0.74B
Change in Capital Stock
Shares Repurchased	1.30B	0.98B	0.97B	0.70B	0.95B	0.70B	0.40B	0.30B	0.15B	0.25B	0.30B	0.30B	0.30B	0.10B	0.60B	0.50B	0.87B	0.96B	0.90B	0.88B
Net Shares Issued and Repurchased	-1.30B	-0.98B	-0.97B	-0.70B	-0.95B	-0.70B	-0.40B	-0.30B	-0.15B	-0.25B	-0.30B	-0.30B	-0.30B	-0.10B	-0.60B	-0.50B	-0.87B	-0.96B	-0.90B	-0.88B
Preferred Shares Issued											0.49B
Net Preferred Shares Issued and Repurchased											0.49B
Net Equity Issued and Repurchased	-1.30B	-0.98B	-0.97B	-0.70B	-0.95B	-0.70B	-0.40B	-0.30B	-0.15B	-0.25B	0.19B	-0.30B	-0.30B	-0.10B	-0.60B	-0.50B	-0.87B	-0.96B	-0.90B	-0.88B
Dividend Payments
Dividends Paid - Common	0.12B	0.12B	0.11B	0.11B	0.11B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.11B	0.11B	0.11B	0.10B	0.10B
Dividends Paid - Preferred	0.01B	0.01B	0.01B	0.01B	0.01B	0.01B	0.01B	0.01B	0.01B	0.01B	0.01B	0.02B	0.02B	0.02B	0.02B	0.02B	0.02B	0.02B	0.02B	0.02B
Dividends Paid - Common and Prefferd	0.12B	0.12B	0.11B	0.11B	0.11B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.10B	0.11B	0.11B	0.11B	0.10B	0.10B
Misc.
Cash from Financing Activities	-1.62B	2.55B	-0.98B	-0.90B	4.78B	2.38B	2.91B	0.22B	3.03B	3.47B	2.60B	-1.37B	-1.23B	-0.62B	2.12B	-2.82B	-4.96B	0.92B	1.88B	-0.60B
Change in Cash	-1.64B	-1.21B	2.24B	-0.13B	2.27B	-2.63B	5.49B	-3.06B	2.94B	-1.38B	5.65B	-1.39B	-0.70B	-3.23B	7.92B	-2.50B	-3.89B	-1.27B	5.59B	-3.36B
Ending Cash Balance	9.90B	8.69B	10.92B	10.79B	13.06B	10.43B	15.92B	12.86B	15.80B	14.42B	20.07B	18.68B	17.98B	14.76B	22.68B	20.18B	16.29B	15.02B	20.60B	17.24B
Free Cash Flow	1.81B	2.00B	1.40B	1.82B	1.63B	1.85B	1.89B	1.91B	2.48B	2.32B	2.25B	2.48B	2.76B	2.35B	2.20B	2.56B	2.64B	2.45B	2.18B	2.42B
Net Cash Flow	-1.64B	-1.21B	2.24B	-0.13B	2.27B	-2.63B	5.49B	-3.06B	2.94B	-1.38B	5.65B	-1.39B	-0.70B	-3.23B	7.92B	-2.50B	-3.89B	-1.27B	5.59B	-3.36B

Synchrony Financial Cash Flow Statement API

Pull Synchrony Financial's standardized financial statements into your own models, spreadsheets and apps with the Business Quant Financial Statements API. The request below follows the statement, frequency and period selected above. Swap YOUR_API_KEY for your own key.

https://data.businessquant.com/statements?ticker=SYF&statement=CF&frequency=Quarter&period=all&api_key=YOUR_API_KEY

import requests

url = "https://data.businessquant.com/statements"
params = {"ticker": "SYF", "statement": "CF", "frequency": "Quarter", "period": "all", "api_key": "YOUR_API_KEY"}

data = requests.get(url, params=params).json()

const res = await fetch("https://data.businessquant.com/statements?ticker=SYF&statement=CF&frequency=Quarter&period=all&api_key=YOUR_API_KEY");
const data = await res.json();

API documentation

Synchrony Financial SYF Cash Flow Statement (2013-2026)

Synchrony Financial Quarterly Cash Flow Statement

Synchrony Financial Cash Flow Statement API

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