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Synchrony Financial SEC Filings

SYF NYSE

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.

Credit-card loss tables, CECL roll-forwards, and securitization trust cash-flow waterfalls make Synchrony Financial’s disclosures anything but light reading. If you’ve ever spent hours hunting for partner-level receivables data or combing Form 4s to see when executives buy shares, you know the challenge. That’s why this page brings every Synchrony Financial SEC filing explained simply and in one place.

Our AI scans each incoming document from EDGAR in real time, distilling the 300-plus pages of a Synchrony Financial annual report 10-K simplified down to the key shifts in net-charge-offs, funding costs, and capital ratios. Need the latest Synchrony Financial quarterly earnings report 10-Q filing? It’s here within minutes, paired with concise trend commentary. Curious about executive pay? Open the Synchrony Financial proxy statement executive compensation and jump straight to CEO incentive metrics. Monitoring insider activity is equally direct: receive alerts for every Synchrony Financial Form 4 insider transactions real-time so you never miss a trade.

Beyond the big three filings, you’ll also find immediate access to Synchrony Financial 8-K material events explained—from new retail-partner agreements to changes in loss-reserve forecasts. Our coverage extends to all Synchrony Financial insider trading Form 4 transactions, shelf-registration S-3s, and capital-return authorisations. Each document comes with an AI-powered synopsis, practical use-case tags (liquidity, partner concentration, credit trends), and cross-links to historical data. Whether you’re analysing allowance movements, comparing segment margins, or simply trying to understand Synchrony’s risk profile, Stock Titan’s platform answers the questions investors actually ask: “Is management buying stock?”, “How did charge-offs move this quarter?”, and “What triggers appear in the covenant schedules?”. Explore, filter, and export—understanding Synchrony Financial SEC documents with AI has never been easier. Unlock deeper insights today with our Synchrony Financial earnings report filing analysis and stay ahead of every Synchrony Financial executive stock transactions Form 4 update.

Rhea-AI Summary

Synchrony Financial (NYSE:SYF) filed a Form 4 reporting that EVP & CEO — Home & Auto Curtis Howse exercised 11,380 options at $33.53 and immediately sold the same number of common shares at $65.00 on 24 Jun 2025.

The sale raised roughly $0.74 million and lowered his direct stake by about 9.5% to 108,062 shares. The trades were executed under a pre-arranged Rule 10b5-1 plan adopted 15 Nov 2024.

  • No other insiders or derivative positions reported.
  • No operational, strategic, or financial guidance changes disclosed.
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Rhea-AI Summary

Synchrony Financial (NYSE:SYF) Form 4 discloses that director Jeffrey G. Naylor sold 10,000 common shares on 06/24/2025 at $65.00 each, a transaction value of roughly $650,000. The sale, executed under a Rule 10b5-1 plan adopted 01/30/2025, reduced Naylor’s direct holdings by about 11% to 78,570 shares. No derivative securities were involved, and no purchase activity was reported.

The filing is significant because the size of the disposal exceeds the 5% threshold that many investors use to gauge insider sentiment. However, the pre-arranged nature of the trade may mitigate signals of declining confidence.

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Filing
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Synchrony Financial (SYF) filed a Form 144 notice indicating a proposed insider sale of 10,000 common shares. The shares are to be sold through Fidelity Brokerage Services on or about 24 June 2025 on the NYSE. The filing assigns an aggregate market value of $650,000, implying a reference price of roughly $65.00 per share. Based on the disclosed outstanding share count of 380,650,709, the planned sale represents approximately 0.0026 % of shares outstanding. No other sales have been reported during the past three months, and the seller’s identity is not provided in the filing.

The securities being sold were acquired via a long series of restricted-stock vestings between 2017 and 2024, with individual vesting lots ranging from 169 to 1,146 shares. The filing contains the standard Rule 144 representation that the seller is not in possession of undisclosed material adverse information.

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Filing
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Synchrony Financial (NYSE: SYF) has filed a Form 144 notice for a proposed sale of securities by an insider. The filing details the planned sale of 11,380 shares of common stock with an aggregate market value of $739,700.

Key transaction details:

  • Securities were acquired through options granted on April 1, 2018
  • Planned execution date: June 24, 2025
  • Broker: Fidelity Brokerage Services LLC
  • Current shares outstanding: 380,650,709

The seller has certified no knowledge of material adverse information regarding Synchrony's operations that hasn't been publicly disclosed. No other securities sales were reported by the seller in the past 3 months. The transaction represents approximately 0.003% of total shares outstanding.

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Synchrony Financial (SYF) held its 2025 Annual Meeting of Stockholders on June 17, 2025, with several key matters put to shareholder vote. The meeting resulted in the following significant outcomes:

  • Board Elections: All nominated directors were successfully elected, with Brian D. Doubles receiving strong support (319.1M votes in favor). Notable directors Kamila Chytil and Arthur W. Coviello Jr. also received overwhelming approval with over 318M votes each.
  • Independent Auditor: Shareholders strongly approved KPMG LLP as the company's independent registered public accounting firm for 2025, with 331.6M votes in favor (97.8% approval).
  • Executive Compensation: The advisory vote on named executive officer compensation passed with 287.7M votes in favor (89.7% of votes cast), showing strong shareholder support for the company's compensation practices.

The meeting demonstrated robust shareholder engagement with relatively low abstention rates across all proposals, indicating clear shareholder direction on corporate governance matters.

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FAQ

What is the current stock price of Synchrony Financial (SYF)?

The current stock price of Synchrony Financial (SYF) is $66.19 as of June 28, 2025.

What is the market cap of Synchrony Financial (SYF)?

The market cap of Synchrony Financial (SYF) is approximately 23.7B.

What are the main business segments of Synchrony Financial?

Synchrony Financial operates primarily through three segments: Retail Card, Payment Solutions, and CareCredit. Each segment is designed to cater to diverse consumer needs ranging from everyday retail purchases to specialized healthcare financing.

How does Synchrony Financial partner with retailers and service providers?

The company collaborates with a broad network of national and regional retailers, local merchants, manufacturers, and industry associations. These partnerships enable Synchrony to offer its credit solutions directly at physical locations and through digital channels.

What role does digital technology play in Synchrony Financial’s operations?

Digital technology is central to Synchrony Financial’s strategy. The firm utilizes advanced credit decisioning tools, mobile applications, and online platforms to deliver seamless financing solutions and a superior customer experience.

What products and services does Synchrony Financial offer?

Synchrony Financial provides a diverse range of financing products including private label credit cards, co-branded credit cards, promotional financing, installment lending, and specialized products like CareCredit, which is used in healthcare and wellness markets.

How does Synchrony Financial maintain its market position?

By leveraging decades of expertise, robust digital capabilities, and strategic partnerships, Synchrony Financial has built a resilient business model. Its focus on innovation and customer-centric solutions helps maintain its competitive edge.

What is CareCredit and which industries does it serve?

CareCredit is a specialized credit product that provides financing solutions for healthcare, dental, and wellness services. It helps cover treatment costs and is accepted at numerous healthcare facilities, retail locations, and veterinary practices.

How are Synchrony Financial's payment solutions structured?

The payment solutions segment offers promotional financing options tailored for large-ticket purchases. This includes flexible installment lending plans that simplify the funding process and enhance the overall purchasing experience.

What benefits do Synchrony Financial's partnerships provide?

The partnerships enable Synchrony to extend its reach and offer localized financing solutions. They streamline the application process, improve customer access to credit, and support the operational needs of its partners.
Synchrony Financial

NYSE:SYF

SYF Rankings

SYF Stock Data

23.73B
379.51M
0.59%
99.95%
3.74%
Credit Services
Finance Services
Link
United States
STAMFORD