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 officer Amy Tiliakos reported a tax-withholding disposition of 1,738 shares of common stock on July 31, 2026. The company automatically withheld these shares at $75.79 per share to pay her tax liability on vesting restricted stock units, leaving her with 19,900 shares held directly; no investment decision was involved.
Synchrony Financial officer Darrell Owens reported two transactions in common stock. On August 3, 2026, he sold 610 shares at $76.73 in an open-market sale executed under a Rule 10b5-1 trading plan adopted on October 17, 2025. On July 31, 2026, 486 shares at $75.79 were withheld by the company to pay his tax liability upon vesting of restricted stock units, with no investment decision by Owens for that withholding.
Synchrony Financial officer Courtney Gentleman reported two stock transactions. On August 3, 2026, she sold 721 shares of common stock at $76.73 per share under a Rule 10b5-1 trading plan adopted November 5, 2025. On July 31, 2026, 574 shares were withheld to cover taxes upon vesting of restricted stock units; the filing states no investment decision was made for this withholding.
Synchrony Financial director Arthur W. Coviello Jr. sold 4,000 shares of Common Stock on August 3, 2026 at a weighted average price of $77.17 per share. The sale was made under a Rule 10b5-1 trading plan adopted July 25, 2025, leaving 26,144 shares held directly.
Synchrony Financial (SYF) has a beneficial owner filing a notice to potentially sell 4,000 shares of common stock through Raymond James & Associates Inc. on the NYSE. The filing lists these shares as previously acquired as compensation on several dates between June 2021 and December 2024.
The notice also references an aggregate market value of $25,240,000,000.00 and 325,370,840 common shares outstanding as of August 3, 2026, as context for the issuer’s size.
Synchrony Financial entered into an underwriting agreement on July 28, 2026 with J.P. Morgan Securities LLC, TD Securities (USA) LLC and Wells Fargo Securities, LLC, as representatives of the underwriters, to issue and sell senior debt securities in a public offering.
The company plans to offer $600,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 and $500,000,000 aggregate principal amount of 6.276% Fixed-to-Floating Rate Senior Notes due 2037 under its Registration Statement on Form S-3 (File No. 333-288729). The Notes will be issued under an Indenture with The Bank of New York Mellon as trustee, consisting of a Base Indenture dated August 11, 2014, as supplemented by the Twelfth Supplemental Indenture dated August 2, 2024 and the Sixteenth Supplemental Indenture dated July 31, 2026. A legal opinion from Sidley Austin LLP on the validity of the Notes is also provided as an exhibit.
Synchrony Financial reports that President and CEO Brian D Doubles had 2,353 shares of common stock automatically withheld on July 28, 2026 at $77.12 per share to satisfy tax liability from restricted stock unit vesting. According to the report, no investment decision was made, and he directly holds 827,886 shares after this tax-withholding disposition.
Synchrony Financial is issuing $600 million of 5.450% Fixed-to-Floating Rate Senior Notes due 2030 and $500 million of 6.276% Fixed-to-Floating Rate Senior Notes due 2037. The 2030 notes pay a fixed 5.450% coupon until October 15, 2029, then reset quarterly to Compounded SOFR + 134.6 bps until maturity on October 15, 2030. The 2037 notes pay 6.276% until July 31, 2036, then reset to Compounded SOFR + 202.9 bps until July 31, 2037.
Both series are senior unsecured obligations ranking equally with other unsecured unsubordinated debt and are structurally subordinated to liabilities of subsidiaries. Synchrony expects $1.09 billion of net proceeds, to be used for general corporate purposes, potentially including contributions or loans to Synchrony Bank. As of June 30, 2026, the company reported $121.9 billion in total assets, $82.8 billion in deposits and $1.69 billion in net earnings for the first six months of 2026.