Synchrony Financial Cash Flow Statement
NYSE: SYFFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Synchrony Financial free cash flow
In fiscal 2025, Synchrony Financial generated $9.85 billion of operating cash flow. That left free cash flow of $9.85 billion, a free-cash-flow margin of 51.9% of revenue. Free cash flow was up 0.0% from the prior year's $9.85 billion.
Synchrony Financial returned $3.37 billion to shareholders: $427.0 million in dividends and $2.94 billion in share repurchases, equal to 34% of free cash flow. Free cash flow covered dividend payments 23.1 times.
Summary generated from market data by MetaCap's automated system. Methodology
Synchrony Financial cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 3.55B | 3.50B | 2.24B | 3.02B | 4.22B | 1.39B | 3.75B | 2.79B | 1.94B | 2.25B |
| Net Income growth (YoY) | +1.51% | +56.34% | -25.80% | -28.55% | +204.77% | -63.04% | +34.30% | +44.19% | -14.04% | +1.67% |
| Depreciation & Amortization | 514.00M | 481.00M | 458.00M | 419.00M | 390.00M | 383.00M | 367.00M | 302.00M | 254.00M | 219.00M |
| Change in Working Capital | 123.00M | -117.00M | 7.00M | 21.00M | 37.00M | 19.00M | 93.00M | 81.00M | 144.00M | -398.00M |
| Operating Cash Flow | 9.85B | 9.85B | 8.59B | 6.69B | 7.10B | 7.49B | 8.99B | 9.34B | 8.57B | 6.51B |
| Investing Cash Flow | -4.85B | -8.90B | -14.23B | -10.23B | -4.81B | -498.00M | -261.00M | -19.04B | -9.54B | -13.36B |
| Dividends Paid | -427.00M | -398.00M | -406.00M | -434.00M | -500.00M | -520.00M | -581.00M | -534.00M | -446.00M | -214.00M |
| Share Repurchases | -2.94B | -1.01B | -1.11B | -3.32B | -2.88B | -985.00M | -3.62B | -1.87B | -1.50B | -476.00M |
| Debt Issued | 1.79B | 745.00M | 740.00M | 2.23B | 744.00M | 0 | 1.99B | 1.24B | 1.73B | 1.19B |
| Debt Repaid | -2.65B | -1.85B | 0 | -1.50B | -1.50B | -1.50B | -2.10B | 0 | -1.20B | -4.15B |
| Financing Cash Flow | -4.74B | -611.00M | 9.63B | 5.28B | -5.20B | -8.03B | -6.46B | 8.25B | 3.12B | 3.81B |
| Net Change in Cash | 262.00M | 334.00M | 3.99B | 1.74B | -2.92B | -1.04B | 2.27B | -1.44B | 2.28B | -3.00B |
| Free Cash Flow | 9.85B | 9.85B | 8.59B | 6.69B | 7.10B | 7.49B | 8.99B | 9.34B | 8.57B | 6.51B |
This table shows 10 annual periods of Synchrony Financial's cash flow statement, from FY 2025 back to FY 2016, across 12 line items including net income, depreciation & amortization, change in working capital. Values in USD; B = billions, M = millions. Fiscal periods follow SYF's reporting calendar. What is a cash flow statement?