For the quarter ending 2026-03-31, SYF had $5,586M increase in cash & cash equivalents over the period.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Earnings before provision for income taxes | - | 4,621 | - | - |
| Provision for income taxes | - | 1,069 | - | - |
| Net earnings | 805 | 751 | 1,077 | 967 |
| Provision for credit losses | 1,335 | 1,442 | 1,146 | 1,146 |
| Deferred income taxes | 28 | 13 | 140 | -23 |
| Depreciation and amortization | 143 | 139 | 128 | 122 |
| Gain on sale of business | - | 0 | 0 | 0 |
| All other operating activities | -206 | -179 | -78 | -152 |
| (increase) decrease in interest and fees receivable | 124 | 327 | 206 | 32 |
| (increase) decrease in other assets | -102 | -9 | -123 | 10 |
| Increase (decrease) in accrued expenses and other liabilities | -312 | 248 | 151 | 238 |
| Cash provided from (used for) operating activities | 2,183 | 2,454 | 2,637 | 2,560 |
| Maturity and sales of debt securities | 500 | 381 | 366 | 350 |
| Purchases of debt securities | 1,190 | 10 | 171 | 526 |
| Acquisitions, net of cash acquired | - | 161 | 0 | 0 |
| Proceeds from sale of business, net of cash and restricted cash sold | - | 0 | 0 | 0 |
| Net (increase) decrease in loan receivables, including held for sale | -2,358 | 4,789 | 1,424 | 1,821 |
| All other investing activities | 144 | 63 | 345 | 244 |
| Cash provided from (used for) investing activities | 1,524 | -4,642 | -1,574 | -2,241 |
| Proceeds from issuance of securitized debt | 498 | 747 | 0 | 748 |
| Maturities and repayment of securitized debt | 0 | 0 | 675 | 1,000 |
| Proceeds from issuance of senior and subordinated unsecured notes | 745 | 0 | 994 | -2 |
| Maturities and repayment of senior and subordinated unsecured notes | 0 | 0 | 1,900 | 750 |
| Proceeds from issuance of preferred stock | - | 0 | 0 | 0 |
| Dividends paid on preferred stock | 21 | 21 | 20 | 21 |
| Net increase (decrease) in deposits | 1,748 | 1,256 | -2,377 | -1,175 |
| Purchases of treasury stock | 900 | 962 | 870 | 504 |
| Dividends paid on common stock | 104 | 106 | 110 | 114 |
| All other financing activities | -87 | 4 | 3 | 1 |
| Cash provided from (used for) financing activities | 1,879 | 918 | -4,955 | -2,817 |
| Increase (decrease) in cash and equivalents, including restricted amounts | 5,586 | -1,270 | -3,892 | -2,498 |
| Cash and cash equivalents at beginning of period | - | 16,287 | 20,179 | 22,677 |
| Cash and cash equivalents at end of period | - | 15,017 | 16,287 | 20,179 |