Welcome to our dedicated page for Synchrony Financial SEC filings (Ticker: SYF), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Synchrony Financial (NYSE: SYF) files a range of documents with the U.S. Securities and Exchange Commission that provide detailed insight into its consumer financing and consumer financial services business. This SEC filings page organizes those disclosures so investors can review how Synchrony reports on its credit performance, capital structure, governance and financial results.
Recent Form 8-K filings show that Synchrony regularly furnishes monthly charge-off and delinquency statistics for its portfolio, covering thirteen-month periods as of specific month-ends. These Regulation FD disclosures give investors a view into credit quality trends and are furnished rather than filed for certain liability purposes. Other 8-Ks report quarterly earnings releases, accompanied by financial data supplements, financial results presentations and explanations of non-GAAP measures, which together outline the company’s operating performance and key metrics.
Synchrony also uses Form 8-K to describe capital markets and capital return actions. One filing details an underwriting agreement for the public offering of fixed-to-floating rate senior notes due 2029 and 2036 under an effective shelf registration statement, including references to the governing indenture and related legal opinions. Additional filings and press releases discuss board-approved share repurchase authorizations and quarterly cash dividends on common and preferred stock series.
Corporate governance disclosures appear in filings covering the election of directors, committee assignments, director compensation and outcomes of the annual meeting of stockholders, including votes on director elections, auditor ratification and advisory votes on executive compensation. Through Stock Titan, users can access these filings as they are made available on EDGAR, while AI-powered summaries help explain the structure and implications of key documents such as 8-Ks, annual and quarterly reports and other material disclosures related to SYF.
Form 144 filings list proposed sales of common stock by brokers and an individual. The excerpt shows a broker sale entry of 5,794 shares scheduled 05/01/2026 tied to options granted 04/01/2017 and two reported dispositions by Alberto B. Casellas: 41,514 shares on 02/17/2026 and 14,399 shares on 03/02/2026, each with an associated cash amount.
Form 144 notice: A Form 144 filing reports the proposed sale of 4,000 shares of Common Stock, scheduled on 02/02/2026. The filing shows a reported sale by Arthur W. Coviello Jr. for $289,280.00. The broker listed is Raymond James & Associates.
SYF submitted a Form 144 notice reporting proposed sales of Common Stock by a selling holder. The filing lists 52,556 shares sold on 02/02/2026 for $3,800,849.92 and 7,882 shares sold on 03/02/2026 for $533,690.22. The notice also lists 8,436 shares tied to Restricted Stock Vesting dated 03/01/2025.
Synchrony Financial ownership filing: Vanguard Capital Management reports beneficial ownership of 26,175,892 shares, representing 7.53% of common stock as of 03/31/2026. The filing states dispositive power is exercised by Vanguard Capital Management and lists affiliated investment divisions.
Synchrony Financial is asking stockholders to vote at its virtual 2026 Annual Meeting on June 24, 2026 to elect 12 directors, ratify KPMG as auditor, and approve an advisory vote on executive pay. Stockholders of record at the close of business on April 27, 2026 may vote by mail, phone, internet, or at the virtual meeting.
The proxy highlights 2025 performance, including $3.6B in net earnings, a 3.0% return on assets, $103.8B of loan receivables, $3.3B of capital returned to stockholders, a 34.3% efficiency ratio, more than 75 new or renewed partnerships, 68 million average active accounts and $182.3B of purchase volume. It also outlines a governance framework with 11 of 12 directors independent, an independent chair, specialized risk and technology committees, detailed risk oversight, cybersecurity reporting, and extensive human capital initiatives such as leadership programs and broad-based compliance and information security training.
Synchrony Financial reports a 13G filing showing Vanguard Portfolio Management beneficially owns 5.36% of common stock, totaling 18,659,199 shares as reported.
The filing states Vanguard Portfolio Management has sole dispositive power over 18,659,199 shares and sole voting power over 154,482 shares. The disclosure attributes holdings to Vanguard Portfolio Management LLC and specified affiliates and was signed on 04/29/2026.
Synchrony Financial reports Q1 2026 results with net earnings of $805 million, up from $757 million a year earlier, and diluted EPS of $2.27. Net interest income rose to $4.64 billion as higher loan yields and lower funding costs offset softer liquidity income.
Provision for credit losses fell to $1.34 billion and the net charge-off rate improved to 5.42% from 6.38%, while the allowance coverage ratio was 10.42% on $100.1 billion of loan receivables. Purchase volume grew $42.98 billion from $40.72 billion, with broad strength across Digital and Diversified & Value partners.
Deposits reached $82.9 billion, representing 83% of total funding, and liquid assets were $22.8 billion. Common equity Tier 1 capital stood at 12.7% and return on equity at 19.5%. The company repurchased $900 million of stock in the quarter, secured a new $6.5 billion repurchase authorization with no expiration, and plans to raise its quarterly dividend to $0.34 per share starting in Q3 2026.
Synchrony Financial furnished updated credit quality metrics, providing monthly charge-off and delinquency statistics for the thirteen months ended March 31, 2026 in Exhibit 99.1.
At March 31, 2026, period-end loan receivables were $100.1 billion, with a 30+ delinquency rate of 4.5% and a net charge-off rate of 5.8%. Loan receivables held for sale were zero and average loan receivables, including held for sale, were $99.3 billion for March 2026.
The company also presents an adjusted net charge-off rate, which matches 5.8% for March 2026, using a recovery adjustment that allocates recoveries, including debt sales, evenly across each quarter. Additional disclosure explains how variations in monthly charge-offs can reflect the timing and number of charge-off cycle dates rather than changes in portfolio performance.
Synchrony Financial reported solid first quarter 2026 results with net earnings of $805 million, or $2.27 per diluted share, up from $757 million, or $1.89, a year earlier. Net interest income rose to $4.64 billion, driven by higher loan yields and lower funding costs, lifting net interest margin to 15.50%.
Purchase volume grew 6% to $43.0 billion, while loan receivables were stable at $100.1 billion. Credit quality improved, with net charge-offs at 5.42% versus 6.38%. Return on assets reached 2.7% and return on equity 19.5%.
The company returned $1.0 billion to shareholders in the quarter, including $900 million of share repurchases and $104 million of common dividends. The Board approved a new share repurchase program of up to $6.5 billion with no expiration and a planned 13% increase in the quarterly dividend to $0.34 per share starting in the third quarter of 2026. The estimated Common Equity Tier 1 capital ratio was 12.7%, compared with 13.2% a year earlier.