Synchrony Financial
(SYF)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 3,552,000 | 3,499,000 | 2,238,000 | 3,016,000 | 4,221,000 |
| Depreciation Amortization | 514,000 | 481,000 | 458,000 | 419,000 | 390,000 |
| Income taxes - deferred | 184,000 | -98,000 | -458,000 | -421,000 | 219,000 |
| Other Working Capital | -161,000 | -205,000 | -345,000 | -269,000 | 1,021,000 |
| Other Operating Activity | 5,762,000 | 6,171,000 | 6,700,000 | 3,949,000 | 1,248,000 |
| Operating Cash Flow | $9,851,000 | $9,848,000 | $8,593,000 | $6,694,000 | $7,099,000 |
| Cash Flows From Investing Activities | |||||
| Net Acquisitions | N/A | 491,000 | N/A | N/A | N/A |
| Purchase Of Investment | -1,187,000 | -2,811,000 | -3,623,000 | -3,866,000 | -2,990,000 |
| Sale Of Investment | 1,952,000 | 3,616,000 | 5,011,000 | 3,984,000 | 5,080,000 |
| Net Loans | -4,767,000 | -9,511,000 | -14,900,000 | -9,803,000 | -6,355,000 |
| Other Investing Activity | -852,000 | -688,000 | -722,000 | -549,000 | -549,000 |
| Investing Cash Flow | $-4,854,000 | $-8,903,000 | $-14,234,000 | $-10,234,000 | $-4,814,000 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 1,788,000 | 745,000 | 740,000 | 2,235,000 | 744,000 |
| Debt Issued | 2,242,000 | 1,694,000 | 2,294,000 | 2,720,000 | 2,361,000 |
| Debt Repayment | -1,675,000 | -1,125,000 | -1,257,000 | -3,784,000 | -2,886,000 |
| Dividend Paid | -510,000 | -470,000 | -448,000 | -476,000 | -542,000 |
| Other Financing Activity | -5,654,000 | -2,334,000 | -1,134,000 | -4,864,000 | -4,347,000 |
| Financing Cash Flow | $-4,735,000 | $-611,000 | $9,632,000 | $5,284,000 | $-5,204,000 |
| Beginning Cash Position | 14,755,000 | 14,421,000 | 10,430,000 | 8,686,000 | 11,605,000 |
| End Cash Position | 15,017,000 | 14,755,000 | 14,421,000 | 10,430,000 | 8,686,000 |
| Net Cash Flow | $262,000 | $334,000 | $3,991,000 | $1,744,000 | $-2,919,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | 9,851,000 | 9,848,000 | 8,593,000 | 6,694,000 | 7,099,000 |
| Free Cash Flow | 9,851,000 | 9,848,000 | 8,593,000 | 6,694,000 | 7,099,000 |