Synchrony Financial filings document the regulatory record of a consumer finance company with common stock and preferred depositary shares listed on the New York Stock Exchange. Its Form 8-K reports include quarterly earnings releases, financial data supplements, presentations and monthly charge-off and delinquency statistics tied to the company’s credit portfolio.
The company’s proxy materials cover annual meeting matters, director elections, auditor ratification and advisory executive compensation votes. Other filings describe capital-structure activity, including public debt offerings under shelf registration statements, senior note indenture terms, preferred stock series and related exhibits.
Synchrony Financial reported lower net earnings for the three and nine months ended September 30, 2026: $892 million versus $1,077 million in the third quarter of 2025, and $2.582 billion versus $2.801 billion in the first nine months. Third-quarter net interest income rose to $4.809 billion from $4.720 billion, while retailer share arrangements, the provision for credit losses and other expense increased.
Loan receivables were $103.3 billion at September 30, 2026, 3.2% higher than a year earlier. Over-30-day delinquencies were 4.34% of period-end receivables, versus 4.39%; the third-quarter net charge-off rate was 4.79%, versus 5.16%. Deposits were $83.0 billion, representing 83% of funding sources. Liquid assets totaled $19.5 billion at September 30, 2026, compared with $16.6 billion at December 31, 2025.
Synchrony repurchased $2.9 billion of common stock during the first nine months and had $4.6 billion of remaining authorization at September 30, 2026. Its quarterly common dividend increased to $0.34 per share in the third quarter from $0.30 in the first two quarters. The 2026 repurchase program authorizes up to $6.5 billion and has no expiration date.
Synchrony Financial furnished monthly charge-off and delinquency statistics for the 13 months ending September 30, 2026. Period-end loan receivables were $103.3 billion as of September 30, 2026, and average loan receivables, including loans held for sale, were $102.7 billion for September.
The September 2026 30+ delinquency rate was 4.3%, compared with 4.4% in September 2025. The net charge-off rate was 4.7%, compared with 5.3%, and the adjusted net charge-off rate was 4.6%, compared with 5.1%. The delinquency rate measures loans over 30 days past due against period-end receivables; net charge-offs are annualized against average receivables. Monthly charge-off amounts can vary with billing-cycle timing and the number of charge-off dates, without a corresponding change in portfolio performance.
Synchrony Financial (SYF) reported third-quarter 2026 net earnings of $892 million, down 17.2% from $1.077 billion a year earlier; diluted earnings per share were $2.68, down 6.3% from $2.86. Net interest income rose 1.9% to $4.809 billion, while provision for credit losses rose 10.5% to $1.266 billion, including a $30 million reserve build versus a $152 million release in third-quarter 2025.
Purchase volume increased 8.0% to $49.707 billion, and loan receivables were $103.346 billion at September 30, 2026, up 3.2% year over year. Net charge-offs were 4.79% of average loan receivables, down 37 basis points; loans 30+ days past due were 4.34% of period-end loan receivables, down 5 basis points. Synchrony also established a partnership with OpenAI combining agentic-commerce collaboration with enterprise AI access.
Synchrony returned $1.2 billion to shareholders, including $1.1 billion of share repurchases and $110 million of common stock dividends. It declared a $0.34-per-share dividend, compared with $0.30 a year earlier. Remaining repurchase authorization was approximately $4.6 billion as of September 30, 2026, and return on assets was 2.9%, down 70 basis points year over year.
Synchrony Financial director Arthur W. Coviello Jr. received an award of 846 restricted stock units on September 30, 2026. The units will vest in full on September 30, 2027, and each represents a contingent right to receive one share of common stock. His reported direct holdings following the award were 27,012 shares.
Synchrony Financial director Paget Leonard Alves received an award of 846 restricted stock units on September 30, 2026. Each unit represents a contingent right to one common share, and the units vest in full on September 30, 2027. The reported per-share price was $70.97; the reported direct position after the award was 53,380 shares.
Synchrony Financial director Fernando Aguirre acquired 846 restricted stock units on September 30, 2026. The units will vest in full on September 30, 2027, and each represents a contingent right to receive one share of common stock. After the award, Aguirre directly held 31,119 shares. His reported indirect holdings through family trusts were 15,300 shares.
Synchrony Financial director Daniel O. Colao acquired 846 restricted stock units on September 30, 2026. The units will vest in full on September 30, 2027; each represents a contingent right to receive one share of Synchrony Financial common stock. His reported direct holdings following the transaction were 6,528 shares.
Synchrony Financial director Jeffrey G. Naylor acquired 1,287 restricted stock units on September 30, 2026. The units will vest in full on September 30, 2027; each unit represents a contingent right to receive one share of Synchrony Financial common stock. His reported direct position following the transaction was 66,904 shares.
Synchrony Financial director Ellen M. Zane received an award of 846 restricted stock units on September 30, 2026. Her reported direct holdings following the award were 33,087 shares.
Synchrony Financial director Richie Laurel acquired 846 restricted stock units on September 30, 2026. The units will vest in full on September 30, 2027, and each represents a contingent right to receive one share of Synchrony Financial common stock. The reported direct position following the transaction was 52,670 shares.