Synchrony Financial Quarterly Cash Flow Statement
NYSE: SYFFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Synchrony Financial free cash flow
In the quarter ended Jun 30, 2026, Synchrony Financial generated $2.42 billion of operating cash flow. That left free cash flow of $2.42 billion, a free-cash-flow margin of 51.0% of revenue. Free cash flow was down 5.5% from the prior year's $2.56 billion.
Synchrony Financial returned $978.0 million to shareholders: $100.0 million in dividends and $878.0 million in share repurchases, equal to 40% of free cash flow. Free cash flow covered dividend payments 24.2 times.
Summary generated from market data by MetaCap's automated system. Methodology
Synchrony Financial cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 885.00M | 805.00M | 751.00M | 1.08B | 967.00M | 757.00M | 774.00M | 789.00M | 643.00M | 1.29B | 440.00M | 628.00M |
| Net Income growth (YoY) | -8.48% | +6.34% | -2.97% | +36.50% | +50.39% | -41.45% | +75.91% | +25.64% | +13.01% | +115.14% | -23.74% | -10.67% |
| Depreciation & Amortization | 145.00M | 143.00M | 139.00M | 128.00M | 122.00M | 125.00M | 120.00M | 121.00M | 121.00M | 119.00M | 118.00M | 116.00M |
| Change in Working Capital | -65.00M | 102.00M | 9.00M | 123.00M | -10.00M | 1.00M | -112.00M | 115.00M | -165.00M | 45.00M | -30.00M | 161.00M |
| Operating Cash Flow | 2.42B | 2.18B | 2.45B | 2.64B | 2.56B | 2.20B | 2.35B | 2.76B | 2.48B | 2.25B | 2.32B | 2.48B |
| Investing Cash Flow | -5.19B | 1.52B | -4.64B | -1.57B | -2.24B | 3.60B | -4.96B | -2.23B | -2.51B | 798.00M | -7.17B | -2.57B |
| Dividends Paid | -100.00M | -104.00M | -106.00M | -110.00M | -114.00M | -97.00M | -97.00M | -99.00M | -100.00M | -102.00M | -103.00M | -104.00M |
| Share Repurchases | -878.00M | -900.00M | -962.00M | -870.00M | -504.00M | -605.00M | -101.00M | -302.00M | -305.00M | -300.00M | -253.00M | -152.00M |
| Debt Issued | 0 | 745.00M | 0 | 994.00M | -2.00M | 796.00M | 0 | 745.00M | 0 | 0 | 0 | 0 |
| Debt Repaid | 0 | 0 | 0 | -1.90B | -750.00M | 0 | 0 | -1.25B | 0 | -600.00M | 0 | 0 |
| Financing Cash Flow | -596.00M | 1.88B | 918.00M | -4.96B | -2.82B | 2.12B | -617.00M | -1.23B | -1.37B | 2.60B | 3.47B | 3.03B |
| Net Change in Cash | -3.36B | 5.59B | -1.27B | -3.89B | -2.50B | 7.92B | -3.23B | -699.00M | -1.39B | 5.65B | -1.38B | 2.94B |
| Free Cash Flow | 2.42B | 2.18B | 2.45B | 2.64B | 2.56B | 2.20B | 2.35B | 2.76B | 2.48B | 2.25B | 2.32B | 2.48B |
This table shows 12 quarterly periods of Synchrony Financial's cash flow statement, from Q2 2026 back to Q3 2023, 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?