Synchrony financial (SYF)
CashFlow / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12
Cash flows - operating activities
Net Income (Loss) Attributable to Parent

3,747

2,790

1,935

2,251

2,214

2,109

1,979

2,119

Adjustments to reconcile net earnings to cash provided from operating activities
Provision for credit losses

4,180

5,545

5,296

3,986

2,952

2,917

3,072

2,565

Deferred income taxes

23

-53

385

389

-295

-203

-237

-18

Depreciation and amortization

367

302

254

219

174

131

104

83

(Increase) decrease in interest and fees receivable

391

280

298

429

163

-68

152

541

(Increase) decrease in other assets

-93

-81

-144

398

-70

-196

-40

-1,180

Increase (decrease) in accrued expenses and other liabilities

363

356

210

-32

803

-172

810

189

All other operating activities

-608

-601

-649

-525

-429

-294

-63

-60

Cash provided from (used for) operating activities

8,990

9,342

8,575

6,511

6,184

5,340

5,679

5,637

Cash flows - investing activities
Maturity and sales of debt securities

8,085

5,668

3,762

1,380

3,538

27

40

40

Purchases of debt securities

7,856

7,271

3,159

3,380

5,102

1,376

100

31

Acquisition of loan receivables

72

8,183

433

54

1,051

0

206

815

Net cash from principal business purchased

-

-

-

-

-

-

6,393

0

Net (increase) decrease in restricted cash and equivalents

-

-

-

-

-713

1,028

20

17

Proceeds from sale of loan receivables

8,203

0

0

-

392

1,510

289

379

Net (increase) decrease in loan receivables, including held for sale

8,033

8,448

9,238

11,092

8,852

8,755

7,355

5,902

All other investing activities

588

802

474

218

441

446

107

106

Cash provided from (used for) investing activities

-261

-19,036

-9,542

-13,364

-10,803

-10,068

-1,066

-6,452

Cash flows - financing activities
Borrowings of consolidated securitization entities
Proceeds from issuance of securitized debt

3,345

5,093

4,311

3,791

3,868

5,170

866

7,799

Maturities and repayment of securitized debt

7,377

3,157

4,210

4,999

5,244

5,569

2,708

4,775

Senior unsecured notes
Proceeds from issuance of senior unsecured notes

1,985

1,244

1,732

1,193

2,978

12,276

0

0

Maturities and repayment of senior unsecured notes

2,100

0

1,200

4,151

4,094

505

0

0

Proceeds from Issuance of Preferred Stock and Preference Stock

734

0

0

-

-

-

-

-

Net increase (decrease) in deposits

1,117

7,509

4,431

8,666

8,261

9,044

481

972

Proceeds from borrowings of related party debt

-

-

-

-

-

1,615

0

0

Maturities and repayment of related party debt

-

-

-

-

655

10,015

1,649

1,099

Purchases of treasury stock

3,618

1,868

1,497

476

0

0

-

-

Dividends paid on common stock

581

534

446

214

0

0

-

-

Proceeds from initial public offering

-

-

-

-

-

2,842

0

0

Net transfers (to) from Parent

-

-

-

-

-

-603

-586

-1,869

All other financing activities

37

-34

-5

-5

2

-18

-32

-66

Cash provided from (used for) financing activities

-6,458

8,253

3,116

3,805

5,116

14,237

-3,628

962

Increase (decrease) in cash and equivalents, including restricted amounts

2,271

-1,441

2,149

-3,048

497

9,509

985

147

Cash and equivalents
Cash paid during the year for interest

2,272

1,815

1,350

1,160

1,040

839

729

736

Cash paid during the year for income taxes

1,017

772

754

1,771

1,219

1,787

1,183

228