For the year ending 2025-12-31, SYF-PB had $262M increase in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Earnings before provision for income taxes | 4,621 | 4,553 | 2,904 | 3,962 |
| Provision for income taxes | 1,069 | 1,054 | 666 | 946 |
| Net earnings | 3,552 | 3,499 | 2,238 | 3,016 |
| Provision for credit losses | 5,225 | 6,733 | 5,965 | 3,375 |
| Deferred income taxes | 184 | -98 | -458 | -421 |
| Depreciation and amortization | 514 | 481 | 458 | 419 |
| Gain on sale of business | 0 | 1,069 | - | - |
| All other operating activities | -537 | -507 | -735 | -574 |
| (increase) decrease in interest and fees receivable | 598 | -33 | 645 | 197 |
| (increase) decrease in other assets | -123 | 117 | -7 | -21 |
| Increase (decrease) in accrued expenses and other liabilities | 314 | -121 | 293 | -93 |
| Cash provided from (used for) operating activities | 9,851 | 9,848 | 8,593 | 6,694 |
| Maturity and sales of debt securities | 1,952 | 3,616 | 5,011 | 3,984 |
| Purchases of debt securities | 1,187 | 2,811 | 3,623 | 3,866 |
| Acquisitions, net of cash acquired | 161 | 1,935 | - | - |
| Proceeds from sale of business, net of cash and restricted cash sold | 0 | 491 | - | - |
| Proceeds from sale of loan receivables | - | 0 | 0 | 3,930 |
| Net (increase) decrease in loan receivables, including held for sale | 4,606 | 7,576 | 14,900 | 13,733 |
| All other investing activities | 852 | 688 | 722 | 549 |
| Cash provided from (used for) investing activities | -4,854 | -8,903 | -14,234 | -10,234 |
| Proceeds from issuance of securitized debt | 2,242 | 1,694 | 2,294 | 2,720 |
| Maturities and repayment of securitized debt | 1,675 | 1,125 | 1,257 | 3,784 |
| Proceeds from issuance of senior and subordinated unsecured notes | 1,788 | 745 | 740 | 2,235 |
| Maturities and repayment of senior and subordinated unsecured notes | 2,650 | 1,850 | 0 | 1,500 |
| Proceeds from issuance of preferred stock | 0 | 488 | - | - |
| Dividends paid on preferred stock | 83 | 72 | 42 | 42 |
| Net increase (decrease) in deposits | -926 | 879 | 9,437 | 9,453 |
| Purchases of treasury stock | 2,941 | 1,008 | 1,112 | 3,320 |
| Dividends paid on common stock | 427 | 398 | 406 | 434 |
| All other financing activities | -63 | 36 | -22 | -44 |
| Cash provided from (used for) financing activities | -4,735 | -611 | 9,632 | 5,284 |
| Increase (decrease) in cash and equivalents, including restricted and held for sale amounts | 262 | 334 | 3,991 | 1,744 |
| Cash and cash equivalents at beginning of period | 14,755 | 14,421 | 10,430 | 8,686 |
| Cash and cash equivalents at end of period | 15,017 | 14,755 | 14,421 | 10,430 |
Synchrony Financial (SYF-PB)
Synchrony Financial (SYF-PB)