| Cash Flow | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Net earnings | 2,801 | 1,724 | 757 | 2,725 |
| Provision for credit losses | 3,783 | 2,637 | 1,491 | 5,172 |
| Deferred income taxes | 171 | 31 | 54 | -80 |
| Depreciation and amortization | 375 | 247 | 125 | 361 |
| Gain on sale of business | 0 | 0 | 0 | 1,069 |
| All other operating activities | -358 | -280 | -128 | -353 |
| (increase) decrease in interest and fees receivable | 271 | 65 | 33 | -230 |
| (increase) decrease in other assets | -114 | 9 | -1 | 5 |
| Increase (decrease) in accrued expenses and other liabilities | 66 | -85 | -323 | -192 |
| Cash provided from (used for) operating activities | 7,397 | 4,760 | 2,200 | 7,495 |
| Maturity and sales of debt securities | 1,571 | 1,205 | 855 | 2,961 |
| Purchases of debt securities | 1,177 | 1,006 | 480 | 1,422 |
| Acquisitions, net of cash acquired | 0 | 0 | 0 | 1,935 |
| Proceeds from sale of business, net of cash and restricted cash sold | 0 | 0 | 0 | 491 |
| Net (increase) decrease in loan receivables, including held for sale | -183 | -1,607 | -3,428 | 3,545 |
| All other investing activities | 789 | 444 | 200 | 490 |
| Cash provided from (used for) investing activities | -212 | 1,362 | 3,603 | -3,940 |
| Proceeds from issuance of securitized debt | 1,495 | 1,495 | 747 | 1,694 |
| Maturities and repayment of securitized debt | 1,675 | 1,000 | 0 | 950 |
| Proceeds from issuance of senior unsecured notes | 1,788 | 794 | 796 | 745 |
| Maturities and repayment of senior unsecured notes | 2,650 | 750 | 0 | 1,850 |
| Proceeds from issuance of preferred stock and preference stock | 0 | 0 | 0 | 488 |
| Dividends paid on preferred stock | 62 | 42 | 21 | 51 |
| Net increase (decrease) in deposits | -2,182 | 195 | 1,370 | 1,120 |
| Purchases of treasury stock | 1,979 | 1,109 | 605 | 907 |
| Dividends paid on common stock | 321 | 211 | 97 | 301 |
| All other financing activities | -67 | -70 | -71 | 18 |
| Cash provided from (used for) financing activities | -5,653 | -698 | 2,119 | 6 |
| Increase (decrease) in cash and equivalents, including restricted amounts | 1,532 | 5,424 | 7,922 | 3,561 |
| Cash and cash equivalents at beginning of period | 14,755 | 14,755 | 14,755 | 14,420 |
| Cash and cash equivalents at end of period | 16,287 | 20,179 | 22,677 | 17,981 |
Synchrony Financial (SYF-PA)
Synchrony Financial (SYF-PA)