Synchrony Financial (SYF)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 03-2026 | 12-2025 | 09-2025 | 06-2025 | 03-2025 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 805,000 | 3,552,000 | 2,801,000 | 1,724,000 | 757,000 |
| Depreciation Amortization | 143,000 | 514,000 | 375,000 | 247,000 | 125,000 |
| Income taxes - deferred | 28,000 | 184,000 | 171,000 | 31,000 | 54,000 |
| Other Working Capital | -334,000 | -161,000 | -91,000 | -159,000 | -355,000 |
| Other Operating Activity | 1,541,000 | 5,762,000 | 4,141,000 | 2,917,000 | 1,619,000 |
| Operating Cash Flow | $2,183,000 | $9,851,000 | $7,397,000 | $4,760,000 | $2,200,000 |
| Cash Flows From Investing Activities | |||||
| Purchase Of Investment | -1,190,000 | -1,187,000 | -1,177,000 | -1,006,000 | -480,000 |
| Sale Of Investment | 500,000 | 1,952,000 | 1,571,000 | 1,205,000 | 855,000 |
| Net Loans | 2,358,000 | -4,767,000 | 183,000 | 1,607,000 | 3,428,000 |
| Other Investing Activity | -144,000 | -852,000 | -789,000 | -444,000 | -200,000 |
| Investing Cash Flow | $1,524,000 | $-4,854,000 | $-212,000 | $1,362,000 | $3,603,000 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 745,000 | 1,788,000 | 1,788,000 | 794,000 | 796,000 |
| Debt Issued | 498,000 | 2,242,000 | 1,495,000 | 1,495,000 | 747,000 |
| Debt Repayment | N/A | -1,675,000 | -1,675,000 | -1,000,000 | N/A |
| Dividend Paid | -125,000 | -510,000 | -383,000 | -253,000 | -118,000 |
| Other Financing Activity | -987,000 | -5,654,000 | -4,696,000 | -1,929,000 | -676,000 |
| Financing Cash Flow | $1,879,000 | $-4,735,000 | $-5,653,000 | $-698,000 | $2,119,000 |
| Beginning Cash Position | 15,017,000 | 14,755,000 | 14,755,000 | 14,755,000 | 14,755,000 |
| End Cash Position | 20,603,000 | 15,017,000 | 16,287,000 | 20,179,000 | 22,677,000 |
| Net Cash Flow | $5,586,000 | $262,000 | $1,532,000 | $5,424,000 | $7,922,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | 2,183,000 | 9,851,000 | 7,397,000 | 4,760,000 | 2,200,000 |
| Free Cash Flow | 2,183,000 | 9,851,000 | 7,397,000 | 4,760,000 | 2,200,000 |