Synchrony financial (SYF)
CashFlow / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14
Cash flows - operating activities
Net Income (Loss) Attributable to Parent

286

731

1,056

853

1,107

783

671

696

640

385

555

496

499

576

604

489

582

547

574

541

552

531

548

472

558

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

1,677

1,104

1,019

1,198

859

1,452

1,451

1,280

1,362

1,354

1,310

1,326

1,306

1,076

986

1,021

903

823

702

740

687

797

675

681

764

Deferred income taxes

-109

-80

-32

-10

145

0

-42

-30

19

199

367

-200

19

342

-50

-78

175

-263

-57

-61

86

10

-155

-78

20

Depreciation and amortization

96

94

94

92

87

80

78

73

71

67

69

59

59

55

56

54

54

47

46

44

37

35

33

32

31

(Increase) decrease in interest and fees receivable

41

-39

297

213

-80

244

52

0

-16

188

14

136

-40

324

70

98

-63

145

213

-61

-134

206

-94

-43

-137

(Increase) decrease in other assets

71

-47

-111

183

-118

-120

-73

260

-148

-223

48

262

-231

427

13

-6

-36

-62

-107

92

7

-67

-28

-42

-59

Increase (decrease) in accrued expenses and other liabilities

-481

238

287

89

-251

236

376

255

-511

268

498

290

-846

289

175

-47

-449

678

59

4

62

-433

47

10

204

All other operating activities

-180

-163

-161

-140

-144

-149

-130

-152

-170

-161

-165

-151

-172

-137

-127

-125

-136

-140

-99

-76

-114

-245

-25

-25

1

Cash provided from (used for) operating activities

1,537

2,336

2,399

1,966

2,289

2,576

2,685

2,166

1,915

2,469

2,902

1,724

1,480

1,724

1,815

1,472

1,500

1,889

1,317

1,313

1,665

1,046

1,295

1,227

1,772

Cash flows - investing activities
Maturity and sales of debt securities

1,175

1,319

2,669

1,883

2,214

1,707

1,293

1,950

718

775

912

1,676

399

342

42

783

213

791

1,713

717

317

8

9

5

5

Purchases of debt securities

1,382

2,678

954

2,261

1,963

466

1,796

2,463

2,546

1,912

281

344

622

2,139

676

552

13

355

1,624

1,284

1,839

1,276

37

32

31

Acquisition of loan receivables

-

-

-

-

-

-

-

-

-

360

0

0

73

0

0

0

54

-5

125

931

0

-

-

-

-

Net (increase) decrease in restricted cash and equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-

75

-540

453

74

16

53

-856

665

252

19

92

Proceeds from sale of loan receivables

709

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

-3,464

6,017

3,109

2,667

-3,760

6,498

2,280

2,329

-2,659

5,532

2,527

3,097

-1,918

6,319

3,160

3,171

-1,558

5,419

2,467

3,090

-2,124

5,566

2,602

2,771

-2,184

All other investing activities

79

146

104

137

201

187

352

187

76

91

86

55

242

85

47

36

50

141

100

92

108

168

14

63

201

Cash provided from (used for) investing activities

3,887

681

-1,570

-3,182

3,810

-6,285

-10,477

-3,029

755

-7,120

-1,982

-1,820

1,380

-8,213

-3,916

-2,436

1,201

-5,193

-2,619

-4,341

1,350

-6,157

-2,896

-2,880

1,865

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

500

0

300

1,547

1,498

600

2,372

704

1,417

1,930

811

820

750

25

1,599

1,419

748

1,075

626

1,422

745

1,370

400

3,400

0

Maturities and repayment of securitized debt

1,623

500

1,330

1,700

3,847

350

356

750

1,701

1,326

1,126

1,050

708

50

1,425

1,609

1,915

1,112

939

1,294

1,899

1,500

422

2,927

720

Senior unsecured notes
Proceeds from issuance of senior unsecured notes

0

0

745

0

1,240

0

0

747

497

991

0

741

0

-

-

-

-

995

991

0

992

-

-

-

0

Maturities and repayment of senior unsecured notes

1,500

0

600

500

1,000

0

0

0

0

-

-

-

-

0

0

1,500

2,651

500

500

500

2,594

-

-

-

0

Dividends paid on preferred stock

11

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase (decrease) in deposits

-528

-823

324

1,580

36

1,717

3,308

2,487

-3

2,031

1,608

1,320

-528

2,547

3,382

1,445

1,292

2,897

2,775

2,803

-214

2,222

2,227

3,103

1,492

Maturities and repayment of related party debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

655

750

8,070

298

897

Purchases of treasury stock

985

1,376

550

725

967

0

967

491

410

431

390

438

238

238

238

0

0

-

-

-

-

-

-

-

-

Dividends paid on common stock

135

141

145

145

150

151

156

113

114

118

118

105

105

107

107

0

0

-

-

-

-

-

-

-

-

Net transfers (to) from Parent

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,206

1,206

-124

-479

All other financing activities

-5

15

3

11

8

-2

-28

-5

1

3

-4

-4

0

-

-

-

-

-

-

-

-

106

-53

-50

-21

Cash provided from (used for) financing activities

-4,287

-2,091

-1,253

68

-3,182

1,814

4,173

2,579

-313

2,380

281

1,284

-829

2,178

3,902

251

-2,526

3,358

2,952

2,431

-3,625

2,131

9,627

3,104

-625

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

1,137

926

-424

-1,148

2,917

-1,895

-3,619

1,716

2,357

-2,271

1,201

1,188

2,031

-4,311

1,801

-713

175

54

1,650

-597

-610

-2,980

8,026

1,451

3,012