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.
Synchrony Financial filed an update with detailed monthly credit quality statistics for its loan portfolio for the thirteen months ended February 28, 2026. Period-end loan receivables were $99.9 billion at February 28, 2026, with a 30+ day delinquency rate of 4.7% and an adjusted net charge-off rate of 5.8%.
The data show monthly trends in receivables, delinquencies, and net charge-offs, including a non-GAAP adjusted net charge-off rate that smooths recoveries and debt sales across each quarter. Synchrony notes that varying charge-off cycle dates each month can cause charge-off rates to move without a real change in portfolio performance.
Synchrony Financial insider Courtney Gentleman reported several common stock transactions. On March 1, 2026, Gentleman received a grant of 9,768 restricted stock units at $69.11 per share value, which will vest in three equal annual installments of 33.33% beginning on the first anniversary of the grant date.
Also on March 1, 3,452 shares of Synchrony Financial common stock were withheld by the company to cover tax liabilities arising from restricted stock unit vesting. On March 2, 2026, Gentleman executed an open-market sale of 4,338 shares at an average price of $67.71 per share under a pre-established Rule 10b5-1 trading plan adopted on November 5, 2025.
Following these transactions, Gentleman directly owned 19,831 shares of Synchrony Financial common stock.
Synchrony Financial officer Bart Schaller reported several stock transactions. On March 1, 2026, he received a grant of 14,610 restricted stock units at $69.11 per share. These units vest in three equal annual installments of 33.33% each, starting one year after the grant date.
Also on March 1, 9,895 shares of common stock were automatically withheld at $69.11 to cover taxes due on vesting; no investment decision was made for this tax-withholding disposition. On March 2, 2026, he executed an open-market sale of 12,980 shares at $67.71 per share under a pre-established Rule 10b5-1 trading plan, leaving 34,035 shares of common stock held directly after the sale.
Synchrony Financial officer Carol Juel reported multiple stock transactions involving company common shares. On March 2, 2026, she completed an open-market sale of 16,859 shares at
On March 1, 2026, she acquired 24,093 shares through a restricted stock unit grant at a reference price of
Synchrony Financial executive Curtis Howse reported several stock transactions involving company common shares. On
On
Synchrony Financial executive Jonathan S. Mothner reported two equity transactions involving company common stock. On March 1, 2026, 12,936 shares were automatically withheld at $69.11 per share to cover his tax liability upon the vesting of restricted stock units, and no investment decision was made by him in connection with this tax-withholding disposition.
On the same date, he received a grant of 24,093 restricted stock units at $69.11 per share, which will vest in three equal annual installments of 33.33% each, beginning on the first anniversary of the grant date. Following these transactions, his directly held common stock increased to 172,447 shares.
Synchrony Financial officer Darrell Owens reported multiple stock transactions involving company common shares. He received a grant of 8,140 restricted stock units at $69.11 per share, which will vest in three equal annual installments, each unit representing one future share.
To cover taxes on vesting, 3,076 shares were withheld by the company. Owens then sold 3,865 shares of common stock in an open-market transaction at $67.71 per share under a Rule 10b5-1 trading plan adopted on October 17, 2025. After these moves, he directly owned 17,432 shares.
Synchrony Financial officer Amy Tiliakos reported equity compensation activity involving company common stock. On March 1, 2026, she acquired 3,907 restricted stock units at a reference price of $69.11 per share as a grant, award, or other acquisition.
The filing notes these restricted stock units vest in three equal annual installments of 33.33% each, beginning on the first anniversary of the grant date, with each unit representing a contingent right to receive one share of common stock. On the same date, 335 shares of common stock were disposed of at $69.11 per share to cover tax liabilities from vesting, through automatic withholding by Synchrony Financial, and the filing specifies that no investment decision was made by the reporting person for this tax-withholding transaction.
Synchrony Financial officer Brian J. Wenzel Sr. reported multiple transactions in Company common stock. On March 1, 2026, he received a grant of 31,255 restricted stock units at $69.11 per share, which will vest in three equal annual installments of 33.33% each.
Also on March 1, 16,911 shares were automatically withheld at $69.11 to cover tax liabilities upon vesting of restricted stock units, with no investment decision by him. On March 2, he executed an open-market sale of 19,580 shares at $67.71 per share, followed by another open-market sale of 47,112 shares at $67.16 per share on March 3, all under a pre-established Rule 10b5-1 trading plan adopted on October 31, 2025.
Synchrony Financial executive Alberto Casellas reported a mix of equity award activity, tax withholding, and a pre-planned stock sale. He received a grant of 19,535 restricted stock units at $69.11 per unit, which will vest in three equal annual installments of 33.33% each, starting on the first anniversary of the grant date.
To cover taxes on vesting restricted stock units, 12,143 shares of common stock were withheld by the company at $69.11 per share. Casellas also executed an open-market sale of 14,399 shares of common stock at $67.71 per share under a Rule 10b5-1 trading plan adopted on October 27, 2025, and continued to hold directly owned shares after these transactions.