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 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 furnished monthly credit quality statistics for the thirteen months ended May 31, 2026. Period-end loan receivables were $101.7 billion at May 31, 2026, with average loan receivables of $100.6 billion for that month.
The 30+ delinquency rate at May 31, 2026 was 4.2%. The reported net charge-off rate was 5.5%, and the adjusted net charge-off rate, a non-GAAP metric that smooths recoveries and debt sales within each quarter, was 5.4%.
The company plans to continue providing these monthly charge-off and delinquency statistics, with data for each quarter’s final month furnished at the same time as its quarterly financial results.
Synchrony Financial has issued and sold 500,000 depositary shares, each representing a 1/100th interest in a share of its new 7.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C. These preferred shares carry specific dividend, voting, redemption and liquidation rights.
The company filed a Certificate of Designations in Delaware, which amends its Amended and Restated Certificate of Incorporation to establish the Series C terms. Under these terms, if dividends on the Series C are not declared and paid or set aside for the prior dividend period, Synchrony’s ability to pay dividends on, or repurchase, redeem or otherwise acquire its common stock and certain other preferred stock is restricted.
Synchrony also entered into an underwriting agreement with BofA Securities, Barclays Capital and Morgan Stanley to sell the 500,000 depositary shares in a public offering under its existing Form S-3 registration statement, and a deposit agreement with Computershare to administer the depositary share program.
Synchrony Financial is offering 500,000 depositary shares, each representing a 1/100th interest in a share of its Series C Preferred Stock (equivalent to 5,000 preferred shares). The public offering price is $1,000 per depositary share ($500,000,000 aggregate) and dividends are payable quarterly commencing August 15, 2026.
Dividends are fixed at 7.250% per annum until the First Reset Date (August 15, 2031), and thereafter will reset each five‑year period to the Five‑Year U.S. Treasury Rate plus 3.078 percentage points. Redemption is at Synchrony’s option subject to Federal Reserve approval (on or after the First Reset Date or following a defined regulatory capital treatment event). The depositary shares will not be listed on any exchange.
Synchrony Financial is offering depositary shares representing fractional interests in its Series C Preferred Stock. Each depositary share represents a 1/100th interest in a share of Series C Preferred Stock with a liquidation preference of $1,000 per depositary share (equivalent to $100,000 per preferred share). Dividends, if declared, are non-cumulative and payable quarterly beginning August 15, 2026 at an initial fixed rate through the First Reset Date (August 15, 2031), then resetting each reset period to the Five-Year U.S. Treasury Rate plus a stated spread. Redemption is at Synchrony’s option subject to Federal Reserve approval, including redemption following a defined regulatory capital treatment event. The depositary shares will not be listed and the offering proceeds are stated as for general corporate purposes.
AGUIRRE FERNANDO reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Fernando Aguirre reported a small equity-based compensation update. On May 15, 2026, he received a grant of 14 dividend equivalent units tied to existing restricted stock units, at a reference value of $71.38 per unit.
Each dividend equivalent unit is economically equal to one share of Synchrony Financial common stock and will vest and settle on the same schedule and terms as the related restricted stock units. Following this grant, Aguirre holds 29,473 dividend equivalent units directly, in addition to 15,300 common shares held indirectly through family trusts.
Synchrony Financial executive Curtis Howse reported an automatic compensation-related acquisition of 181 dividend equivalent units on common shares underlying his restricted stock units as of May 15, 2026. Each unit is economically equal to one SYF share, bringing his directly held units/shares to 86,618 after this transaction.
Owens Darrell reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial officer Darrell Owens received a grant of 74 dividend equivalent units on May 15, 2026. These units were accrued as dividends paid on common shares underlying his restricted stock units and are valued at $71.38 per unit. The dividend equivalent units vest and settle on the same schedule and terms as the related restricted stock units, and each unit is the economic equivalent of one share of Synchrony Financial common stock. Following this award, Owens directly holds 17,506 dividend equivalent units.
Wenzel Brian J. Sr. reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial officer Brian J. Wenzel Sr. received a grant of 270 dividend equivalent units on May 15, 2026 at an indicated value of $71.38 per unit. These units accrue as dividends on common shares underlying his restricted stock units and vest proportionately with those awards. Each unit is the economic equivalent of one share of Synchrony Financial common stock, bringing his reported directly held units to 64,491 after this transaction.
Juel Carol reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial officer Juel Carol received a routine compensation-related award of dividend equivalent units. On May 15, 2026, Carol was granted 217 dividend equivalent units tied to dividends paid on common shares underlying restricted stock units, at an economic value reference of $71.38 per unit.
The dividend equivalent units vest and settle on the same schedule and terms as the related restricted stock units, and each unit is economically equal to one share of Synchrony Financial common stock. Following this accrual, Carol directly holds 51,663 dividend equivalent units.
Gentleman Courtney reported acquisition or exercise transactions in this Form 4 filing.
Courtney Gentleman, an officer of Synchrony Financial, received a grant of 84 dividend equivalent units on the common shares underlying existing restricted stock units. Each dividend equivalent unit is economically equal to one share of Synchrony Financial common stock, bringing the officer’s directly held dividend equivalent units to 19,915.