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 EVP reports multiple stock transactions. An executive officer of Synchrony Financial (SYF), serving as EVP, Chief Risk and Legal Officer, reported several transactions dated 11/17/2025. These included 238 dividend equivalent units acquired at $70.47, which mirror restricted stock units, and the sale of 20,000 shares of common stock at $72.80 under a Rule 10b5-1 trading plan adopted on July 28, 2025. The executive also exercised 12,000 employee stock options at $34.30 per share and sold 12,000 shares of common stock at $72.80 on the same date. Following these transactions, the executive directly beneficially owns 127,100 shares of Synchrony Financial common stock and 11,258 employee stock options.
Synchrony Financial director Form 4 filing reports that a board member received 148 dividend equivalent units of Synchrony Financial common stock on November 17, 2025. These units were accrued as dividends on common shares underlying previously granted restricted stock units and deferred stock units under the company’s Long-Term Incentive Plans and Non-Employee Director Deferred Compensation Plan.
Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock. Following this transaction, the reporting person holds 38,074 shares of common stock directly and 34,106 shares indirectly through Guthrie 2012 Investments LP, for which he is investment manager and disclaims beneficial ownership except for his direct pecuniary interest.
Synchrony Financial director reports automatic dividend share equivalents
A director of Synchrony Financial (SYF) reported an automatic accrual of dividend equivalent units on common stock. On November 17, 2025, the reporting person acquired 190 dividend equivalent units at a value of $70.47 per unit. These units relate to dividends paid on common shares underlying previously granted restricted stock units and deferred stock units under the company’s Long-Term Incentive Plans and Non-Employee Director Deferred Compensation Plan. Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock. Following this transaction, the reporting person beneficially owned 61,452 common share equivalents, held in a direct capacity.
Synchrony Financial (SYF) executive EVP & CEO--Diversified & Value reported a routine equity-related transaction on Form 4. On 11/17/2025, the officer accrued 76 dividend equivalent units tied to dividends paid on common shares underlying existing restricted stock units, at a referenced value of $70.47 per unit.
After this transaction, the officer beneficially owns 17,778 dividend equivalent units, held directly. These units are economically equivalent to shares of Synchrony common stock and vest, settle, and expire on the same terms as the related restricted stock units, meaning they follow the same schedule and conditions as the original equity awards.
Synchrony Financial (SYF) reported a Form 4 showing a routine equity-related transaction for one of its directors. On November 17, 2025, the director acquired 149 dividend equivalent units, recorded as an acquisition at a price of $70.47 per unit. The filing states that these units were accrued as dividends paid on the common shares underlying previously granted restricted stock units and deferred stock units under the company’s Long-Term Incentive Plans and Non-Employee Director Deferred Compensation Plan.
Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock. Following this transaction, the director beneficially owns 49,751 common shares directly.
Synchrony Financial (SYF) reported an insider equity change for an executive officer. On 11/17/2025, the EVP, CEO–Digital received 179 dividend equivalent units, recorded as an acquisition. These units were credited at a reference price of $70.47 per unit and are tied to restricted stock units already held.
After this transaction, the reporting person beneficially owned 42,124 Synchrony Financial common share equivalents, held in direct ownership. 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.
Synchrony Financial (SYF) reported a routine insider equity adjustment for an executive officer. On 11/17/2025, the EVP & CEO–Lifestyle received 69 dividend equivalent units, which were accrued as dividends paid on common shares underlying existing restricted stock units.
Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock and was valued at $70.47 per unit for this transaction. These units vest and settle on the same schedule and terms as the related restricted stock units. Following this accrual, the reporting person beneficially owns 16,165 non-derivative securities, held in direct ownership.
Synchrony Financial director reported a small increase in holdings through dividend-related awards. On November 17, 2025, the director received 15 dividend equivalent units tied to previously granted restricted stock units, at a referenced value of $70.47 per unit. These dividend equivalent units vest and settle on the same schedule and terms as the underlying restricted stock units, and each unit is economically equal to one share of Synchrony Financial common stock.
Following this transaction, the director beneficially owns 35,784 Synchrony Financial common shares, held directly. The filing is made on Form 4, reflecting routine equity-based compensation in the form of dividend equivalent units rather than an open-market share purchase or sale.
Synchrony Financial’s President and CEO, who also serves as a director, reported an automatic equity-related transaction on a Form 4. On November 17, 2025, the executive accrued 1,197 dividend equivalent units tied to previously granted restricted stock units, at a reference price of $70.47 per unit. These dividend equivalent units vest and settle on the same schedule and terms as the related restricted stock units, and each unit represents the economic equivalent of one share of Synchrony Financial common stock. Following this transaction, the executive directly beneficially owned 731,267 common share equivalents.
Synchrony Financial (SYF) has a holder planning to sell 8,000 shares of its common stock under a Form 144/A notice. The planned sale is through Raymond James & Associates on the NYSE, with an approximate sale date of 11/03/2025 and an aggregate market value of $590,663.65. The filing notes that there were 371,900,000 shares of this class outstanding at the time shown. The shares being sold were previously acquired as compensation from the issuer on several dates, and the seller represents that they do not know of any undisclosed material adverse information about the issuer’s operations.