How much cash does Synchrony Financial generate?

Synchrony Financial (SYF) generated $9.8B in operating cash flow over the trailing twelve months.

Where does Synchrony Financial's cash flow data come from?

Every line is extracted from Synchrony Financial's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Synchrony Financial SYF Cash Flow Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Net income	$3.6B+21.5%	$3.55B+1.5%	$3.58B+13.0%	$3.29B+9.4%	$2.96B+1.1%
Depreciation and amortization	$532M+9.2%	$514M+6.9%	$495M+3.3%	$488M+3.0%	$487M+4.5%
Deferred income taxes	——	——	——	——	-$71M+79.3%
Provision for credit losses	$5.07B-20.0%	$5.23B-22.4%	$5.34B-23.4%	$5.8B-15.6%	$6.34B-3.3%
Change in accrued liabilities	$325M—	$314M—	——	——	——
Change in other assets	-$224M—	-$123M—	-$2M—	——	——
Other working capital changes	-$615M-28.1%	-$537M-5.9%	-$512M+6.4%	-$579M0.0%	-$480M+33.9%
Net cash from operating activities	$9.83B+0.3%	$9.85B0.0%	$9.75B-0.6%	$9.88B+3.6%	$9.8B+9.4%
Purchases of investments	$1.9B-39.4%	$1.19B-57.8%	$2.57B-24.6%	$2.77B-19.9%	$3.13B-7.9%
Proceeds from maturities/sales of investments	$1.6B-54.2%	$1.95B-46.0%	$2.23B-45.6%	$2.63B-49.4%	$3.49B-23.1%
Other investing activities	$796M-1.4%	$852M+23.8%	$987M+40.2%	$810M+7.3%	$807M+21.9%
Net change in loans and leases	——	——	——	——	$5.65B-57.1%
Net cash from investing activities	-$6.93B-13.7%	-$4.85B+45.5%	-$5.18B+53.4%	-$5.83B+49.0%	-$6.1B+56.8%
Dividends paid	$434M+10.4%	$427M+7.3%	$418M+3.5%	$407M-0.5%	$393M-3.7%
Repurchases of common stock	$3.24B+146%	$2.94B+192%	$2.08B+79.3%	$1.51B+49.7%	$1.31B+30.3%
Proceeds from issuance of debt	——	——	——	——	$1.54B—
Repayments of debt	$2.65B—	$2.65B—	——	——	——
Other financing activities	——	——	——	——	-$21M—
Dividends paid on preferred stock	$83M+1.2%	$83M+15.3%	$83M+33.9%	$84M+64.7%	$82M+95.2%
Net change in deposits	——	——	——	——	——
Net cash from financing activities	——	——	-$6.27B—	——	——
Net increase (decrease) in cash	——	——	——	——	——
Interest paid	——	$4.16B-10.7%	$4.29B-2.2%	$4.41B+7.4%	$4.54B+18.5%
Accrued expenses and other liabilities	$325M—	$314M—	——	——	——
Increase (Decrease) in Other Operating Assets	-$224M—	-$123M—	-$2M—	——	——
Increase (Decrease) in Interest and Fee Receivable	$689M—	$598M—	——	——	——
Total provisions for credit losses	$5.07B-20.0%	$5.23B-22.4%	$5.34B-23.4%	$5.8B-15.6%	$6.34B-3.3%
Payments For Proceeds From Loans And Leases	——	——	——	——	$5.65B-57.1%
Payment for (Proceeds from) Other Investing Activity	$796M-1.4%	$852M+23.8%	$987M+40.2%	$810M+7.3%	$807M+21.9%
Divestiture of businesses, net of cash transferred	——	$0-100%	$122.75M-66.7%	$245.5M0.0%	$368.25M+200%
Proceeds From Sale And Maturity Of Available For Sale Securities	$1.6B-54.2%	$1.95B-46.0%	$2.23B-45.6%	$2.63B-49.4%	$3.49B-23.1%
Increase (Decrease) in Deposits	——	——	——	——	——
Payments of Ordinary Dividends, Preferred Stock and Preference Stock	$83M+1.2%	$83M+15.3%	$83M+33.9%	$84M+64.7%	$82M+95.2%
Proceeds from the issuance of debt	——	——	——	——	$1.54B—
Other, net	——	——	——	——	-$21M—
Repayments Of Secured Debt	$1.68B+48.9%	$1.68B+48.9%	$1.85B+94.7%	$1.43B+42.5%	$1.13B+11.7%
Repayments of Unsecured Debt	$2.65B—	$2.65B—	——	——	——
Proceeds from secured term loan	$1.99B+17.7%	$2.24B+32.3%	$1.5B-38.8%	$2.24B-25.0%	$1.69B-39.3%

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Questions, answered.

How much cash does Synchrony Financial generate?: Synchrony Financial (SYF) generated $9.8B in operating cash flow over the trailing twelve months.
Where does Synchrony Financial's cash flow data come from?: Every line is extracted from Synchrony Financial's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.