Synchrony Financial reported cash from operations of $2.50B and free cash flow of $2.50B for the quarter ended Sep 2026, down 5.3% year over year. This cash flow statement covers 55 quarters of results from Mar 2013 through Sep 2026, standardized by Business Quant from the company’s SEC filings.
| Cash Flow StatementCash Flow | Mar2013 | Jun2013 | Sep2013 | Dec2013 | Mar2014 | Jun2014 | Sep2014 | Dec2014 | Mar2015 | Jun2015 | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 | Sep2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Income | 813.00M | 932.00M | 804.00M | 703.00M | 577.00M | 601.00M | 569.00M | 628.00M | 440.00M | 1,293.00M | 643.00M | 789.00M | 774.00M | 757.00M | 967.00M | 1,077.00M | 751.00M | 805.00M | 885.00M | 892.00M | |||||||||||||||||||||||||||||||||||
| Depreciation, Depletion & Amortization | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Depreciation & Amortization (CF)Depreciation & Amortization | 105.00M | 107.00M | 106.00M | 105.00M | 101.00M | 111.00M | 113.00M | 116.00M | 118.00M | 119.00M | 121.00M | 121.00M | 120.00M | 125.00M | 122.00M | 128.00M | 139.00M | 143.00M | 145.00M | 150.00M | |||||||||||||||||||||||||||||||||||
| Provision for Losses | 561.00M | 521.00M | 724.00M | 929.00M | 1,201.00M | 1,290.00M | 1,383.00M | 1,488.00M | 1,804.00M | 1,884.00M | 1,691.00M | 1,597.00M | 1,561.00M | 1,491.00M | 1,146.00M | 1,146.00M | 1,442.00M | 1,335.00M | 1,201.00M | 1,266.00M | |||||||||||||||||||||||||||||||||||
| Deferred Taxes | -11.00M | 49.00M | -123.00M | -111.00M | -236.00M | -88.00M | -63.00M | -120.00M | -187.00M | 27.00M | -35.00M | -72.00M | -18.00M | 54.00M | -23.00M | 140.00M | 13.00M | 28.00M | 6.00M | -44.00M | |||||||||||||||||||||||||||||||||||
| Change in Working Capital | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Change in Accrued Expenses | 472.00M | -413.00M | 22.00M | 69.00M | 229.00M | -177.00M | -2.00M | 172.00M | 300.00M | -204.00M | -35.00M | 47.00M | 71.00M | -323.00M | 238.00M | 151.00M | 248.00M | -312.00M | 190.00M | 132.00M | |||||||||||||||||||||||||||||||||||
| Change in Other Operating AssetsOther Assets Change | 39.00M | -53.00M | -241.00M | 246.00M | 224.00M | 15.00M | 292.00M | -21.00M | 352.00M | -43.00M | -46.00M | -136.00M | 309.00M | 32.00M | 42.00M | 83.00M | 318.00M | 22.00M | 179.00M | 127.00M | |||||||||||||||||||||||||||||||||||
| Other Operating ActivitiesOther Operating | -1,069.00M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash from Operations | 2,004.00M | 1,396.00M | 1,817.00M | 1,634.00M | 1,847.00M | 1,886.00M | 1,908.00M | 2,482.00M | 2,317.00M | 2,248.00M | 2,484.00M | 2,763.00M | 2,353.00M | 2,200.00M | 2,560.00M | 2,637.00M | 2,454.00M | 2,183.00M | 2,420.00M | 2,498.00M | |||||||||||||||||||||||||||||||||||
| Investing Activities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Investment Securities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase of AFS Securities | 700.00M | 1,478.00M | 1,182.00M | 964.00M | 242.00M | 391.00M | 821.00M | 430.00M | 1,981.00M | 163.00M | 884.00M | 375.00M | 1,389.00M | 480.00M | 526.00M | 171.00M | 10.00M | 1,190.00M | 1,695.00M | 1,103.00M | |||||||||||||||||||||||||||||||||||
| Purchase of Investments - Total | 700.00M | 1,478.00M | 1,182.00M | 964.00M | 242.00M | 391.00M | 821.00M | 430.00M | 1,981.00M | 163.00M | 884.00M | 375.00M | 1,389.00M | 480.00M | 526.00M | 171.00M | 10.00M | 1,190.00M | 1,695.00M | 1,103.00M | |||||||||||||||||||||||||||||||||||
| Sale and Maturity of AFS Securities | 831.00M | 1,998.00M | 809.00M | 852.00M | 325.00M | 1,458.00M | 560.00M | 1,864.00M | 1,129.00M | 982.00M | 1,214.00M | 765.00M | 655.00M | 855.00M | 350.00M | 366.00M | 381.00M | 500.00M | 355.00M | 1,107.00M | |||||||||||||||||||||||||||||||||||
| Sale and Maturity of Investments - Total | 831.00M | 1,998.00M | 809.00M | 852.00M | 325.00M | 1,458.00M | 560.00M | 1,864.00M | 1,129.00M | 982.00M | 1,214.00M | 765.00M | 655.00M | 855.00M | 350.00M | 366.00M | 381.00M | 500.00M | 355.00M | 1,107.00M | |||||||||||||||||||||||||||||||||||
| Change in Net Loans | 5,768.00M | -1,415.00M | 4,460.00M | 3,954.00M | 6,734.00M | 234.00M | 4,780.00M | 3,783.00M | 6,103.00M | -1,504.00M | 2,596.00M | 2,453.00M | 4,031.00M | -3,428.00M | 1,821.00M | 1,424.00M | 4,789.00M | -2,358.00M | 2,794.00M | 2,317.00M | |||||||||||||||||||||||||||||||||||
| Proceeds from Sales of LoansLoan Sales | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Acquisitions | 1,935.00M | 161.00M | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Divestments | 491.00M | 594.00M | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Other Investing ActivitiesOther Investing | -127.00M | -117.00M | 3,781.00M | -76.00M | -207.00M | -141.00M | -148.00M | -219.00M | -214.00M | -81.00M | -241.00M | -168.00M | -792.00M | -200.00M | -244.00M | -345.00M | -63.00M | -144.00M | -1,053.00M | -222.00M | |||||||||||||||||||||||||||||||||||
| Cash from Investing Activities | -5,764.00M | 1,818.00M | -1,052.00M | -4,142.00M | -6,858.00M | 692.00M | -5,189.00M | -2,568.00M | -7,169.00M | 798.00M | -2,507.00M | -2,231.00M | -4,963.00M | 3,603.00M | -2,241.00M | -1,574.00M | -4,642.00M | 1,524.00M | -5,187.00M | -2,535.00M | |||||||||||||||||||||||||||||||||||
| Financing Activities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Change in DepositsDeposits Chg. | 1,913.00M | 1,302.00M | 1,132.00M | 3,691.00M | 3,328.00M | 2,720.00M | 1,336.00M | 2,298.00M | 3,083.00M | 2,396.00M | -458.00M | -818.00M | -241.00M | 1,370.00M | -1,175.00M | -2,377.00M | 1,256.00M | 1,748.00M | -89.00M | 143.00M | |||||||||||||||||||||||||||||||||||
| Debt Issuance and Repayment | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Long-Term Debt Issuances | 1,755.00M | 1,743.00M | 2,162.00M | 1,050.00M | 990.00M | 1,297.00M | 747.00M | 747.00M | 200.00M | 1,492.00M | 1,543.00M | 746.00M | 994.00M | 747.00M | 1,243.00M | 2,089.00M | |||||||||||||||||||||||||||||||||||||||
| Long-Term Debt Repayments | 11.00M | 1,150.00M | 2,950.00M | 1,184.00M | 250.00M | 707.00M | 300.00M | 600.00M | 700.00M | 1,500.00M | 175.00M | 1,750.00M | 2,575.00M | 1,500.00M | |||||||||||||||||||||||||||||||||||||||||
| Net Long-Term Debt Issued (Repaid)Net LT Debt | 1,744.00M | -1,150.00M | -1,207.00M | 2,162.00M | -134.00M | 740.00M | -707.00M | 997.00M | 747.00M | 147.00M | -500.00M | -8.00M | -175.00M | 1,543.00M | -1,004.00M | -1,581.00M | 747.00M | 1,243.00M | 589.00M | ||||||||||||||||||||||||||||||||||||
| Net Debt Issuances and Repayments | 1,744.00M | -1,150.00M | -1,207.00M | 2,162.00M | -134.00M | 740.00M | -707.00M | 997.00M | 747.00M | 147.00M | -500.00M | -8.00M | -175.00M | 1,543.00M | -1,004.00M | -1,581.00M | 747.00M | 1,243.00M | 589.00M | ||||||||||||||||||||||||||||||||||||
| Change in Capital Stock | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Shares Repurchased | 982.00M | 968.00M | 701.00M | 950.00M | 701.00M | 404.00M | 303.00M | 152.00M | 253.00M | 300.00M | 305.00M | 302.00M | 101.00M | 605.00M | 504.00M | 870.00M | 962.00M | 900.00M | 878.00M | 1,100.00M | |||||||||||||||||||||||||||||||||||
| Net Shares Issued and Repurchased | -982.00M | -968.00M | -701.00M | -950.00M | -701.00M | -404.00M | -303.00M | -152.00M | -253.00M | -300.00M | -305.00M | -302.00M | -101.00M | -605.00M | -504.00M | -870.00M | -962.00M | -900.00M | -878.00M | -1,100.00M | |||||||||||||||||||||||||||||||||||
| Preferred Shares Issued | 488.00M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Preferred Shares Issued and Repurchased | 488.00M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Equity Issued and Repurchased | -982.00M | -968.00M | -701.00M | -950.00M | -701.00M | -404.00M | -303.00M | -152.00M | -253.00M | 188.00M | -305.00M | -302.00M | -101.00M | -605.00M | -504.00M | -870.00M | -962.00M | -900.00M | -878.00M | -1,100.00M | |||||||||||||||||||||||||||||||||||
| Dividend Payments | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dividends Paid - Common | 120.00M | 114.00M | 108.00M | 109.00M | 103.00M | 100.00M | 99.00M | 104.00M | 103.00M | 102.00M | 100.00M | 99.00M | 97.00M | 97.00M | 114.00M | 110.00M | 106.00M | 104.00M | 100.00M | 110.00M | |||||||||||||||||||||||||||||||||||
| Dividends Paid - Preferred | 10.00M | 10.00M | 11.00M | 11.00M | 10.00M | 11.00M | 10.00M | 10.00M | 11.00M | 11.00M | 19.00M | 21.00M | 21.00M | 21.00M | 21.00M | 20.00M | 21.00M | 21.00M | 21.00M | 28.00M | |||||||||||||||||||||||||||||||||||
| Dividends Paid - Common and PreferredDividends Paid | 130.00M | 124.00M | 119.00M | 120.00M | 113.00M | 111.00M | 109.00M | 114.00M | 114.00M | 113.00M | 119.00M | 120.00M | 118.00M | 118.00M | 135.00M | 130.00M | 127.00M | 125.00M | 121.00M | 138.00M | |||||||||||||||||||||||||||||||||||
| Other Financing ActivitiesOther Financing | 1.00M | -36.00M | -4.00M | -4.00M | -33.00M | -1.00M | 2.00M | 10.00M | -14.00M | 15.00M | 17.00M | 18.00M | -71.00M | 1.00M | 3.00M | 4.00M | -87.00M | 492.00M | |||||||||||||||||||||||||||||||||||||
| Cash from Financing Activities | 2,546.00M | -976.00M | -899.00M | 4,779.00M | 2,380.00M | 2,912.00M | 216.00M | 3,031.00M | 3,473.00M | 2,604.00M | -1,367.00M | -1,231.00M | -617.00M | 2,119.00M | -2,817.00M | -4,955.00M | 918.00M | 1,879.00M | -596.00M | -506.00M | |||||||||||||||||||||||||||||||||||
| Misc. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Change in Cash | -1,214.00M | 2,238.00M | -134.00M | 2,271.00M | -2,631.00M | 5,490.00M | -3,065.00M | 2,945.00M | -1,379.00M | 5,650.00M | -1,390.00M | -699.00M | -3,227.00M | 7,922.00M | -2,498.00M | -3,892.00M | -1,270.00M | 5,586.00M | -3,363.00M | -543.00M | |||||||||||||||||||||||||||||||||||
| Ending Cash Balance | 8,686.00M | 10,924.00M | 10,790.00M | 13,061.00M | 10,430.00M | 15,920.00M | 12,855.00M | 15,800.00M | 14,421.00M | 20,071.00M | 18,680.00M | 17,981.00M | 14,755.00M | 22,677.00M | 20,179.00M | 16,287.00M | 15,017.00M | 20,603.00M | 17,240.00M | 16,697.00M | |||||||||||||||||||||||||||||||||||
| Net Cash Flow | -1,214.00M | 2,238.00M | -134.00M | 2,271.00M | -2,631.00M | 5,490.00M | -3,065.00M | 2,945.00M | -1,379.00M | 5,650.00M | -1,390.00M | -699.00M | -3,227.00M | 7,922.00M | -2,498.00M | -3,892.00M | -1,270.00M | 5,586.00M | -3,363.00M | -543.00M | |||||||||||||||||||||||||||||||||||
| Free Cash Flow | 2,004.00M | 1,396.00M | 1,817.00M | 1,634.00M | 1,847.00M | 1,886.00M | 1,908.00M | 2,482.00M | 2,317.00M | 2,248.00M | 2,484.00M | 2,763.00M | 2,353.00M | 2,200.00M | 2,560.00M | 2,637.00M | 2,454.00M | 2,183.00M | 2,420.00M | 2,498.00M |
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_KEYimport 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();