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 officer Curtis Howse reported an open-market sale of 8,436 shares of Synchrony Financial common stock on May 1, 2026 at $76.55 per share. The sale was made under a pre-arranged Rule 10b5-1 trading plan adopted on July 24, 2025. After this transaction, Howse directly holds 86,437 shares of Synchrony Financial common stock.
Synchrony Financial director Arthur W. Coviello Jr. reported an open-market sale of 4,000 shares of Common Stock at an average price of $76.55 per share. After this transaction, he directly holds 29,341 shares. The sale was executed under a pre-arranged Rule 10b5-1 trading plan adopted on July 25, 2025, indicating the trade was scheduled in advance.
Synchrony Financial officer Alberto Casellas exercised stock options and sold the resulting shares in a planned trade. On May 1, he exercised options to acquire 5,794 shares of common stock at $34.30 per share, then sold 5,794 shares in an open‑market transaction at $76.55 per share.
The filing shows these transactions were executed under a pre‑arranged Rule 10b5‑1 trading plan adopted on October 27, 2025. Following the sale, Casellas directly holds 50,331 shares of Synchrony common stock, and the 2017 option grant for 11,588 shares has been fully exercised.
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.