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 reported stronger Q3 2025 results. Net earnings rose to $1.1 billion from $789 million, driven by lower credit loss provisions and higher net interest income. Net interest income increased to $4.7 billion (up 2.4%), as funding costs eased with lower benchmark rates.
Credit quality improved: the net charge-off rate fell to 5.16% and over‑30 day delinquencies declined to 4.39%. The provision for credit losses decreased to $1.146 billion (down 28.2%). Loan receivables were $100.2 billion (down 2.0% year over year) amid lower purchase volume earlier in the year and higher payment rates. Deposits totaled $79.9 billion and represented 85% of funding.
The company extended key partnerships, including Amazon, and added or renewed 40+ partners year to date. It repurchased $2.0 billion of common stock and paid $0.85 per‑share dividends year to date, with $2.1 billion of repurchase authorization remaining. In October 2025, Synchrony acquired Versatile Credit to enhance point‑of‑sale financing capabilities.
Synchrony Financial furnished monthly credit performance data via Exhibit 99.1, providing charge-off and delinquency statistics as of and for each of the thirteen months ended September 30, 2025. The company plans to continue furnishing these statistics monthly, with the final month of each calendar quarter furnished at the same time as its quarterly results.
The information was furnished under Item 7.01 and is not deemed “filed” for purposes of Section 18 of the Exchange Act, nor incorporated by reference unless specifically stated.
Synchrony Financial furnished an 8-K announcing its third quarter 2025 results. The company issued a press release on October 15, 2025 and made supporting materials available, including a Financial Data Supplement, a results presentation for the quarter ended September 30, 2025, and an explanation of non-GAAP measures. These materials were furnished, not filed, under Item 2.02. The report was signed by Executive Vice President, Chief Risk and Legal Officer, Jonathan Mothner.
Daniel O. Colao, a Director of Synchrony Financial (SYF), was reported to have acquired 775 restricted stock units on 09/30/2025 at an implied price of $71.05 per share. After the transaction he beneficially owned 3,297 shares. The filing states these restricted stock units will vest in full on 09/30/2026, and each unit represents the contingent right to one share of common stock. The Form 4 was signed on behalf of the reporting person by an attorney-in-fact on 10/02/2025. The record shows an insider acquisition of equity-based compensation that converts to common stock upon vesting one year after grant.
Kamila K. Chytil, a director of Synchrony Financial (SYF), reported on Form 4 that she acquired 775 restricted stock units (RSUs) on 09/30/2025 at a reported price of $71.05 per share-equivalent. The filing states the RSUs will vest in full on 09/30/2026, and each RSU represents a contingent right to one share of common stock. Following the reported acquisition, the filing lists total beneficial ownership of 15,543 shares. The Form 4 was signed by an attorney-in-fact on 10/02/2025.
Parker P.W., a Director of Synchrony Financial (SYF), reported acquiring 775 restricted stock units on 09/30/2025. The report shows an acquisition price of $71.05 and indicates 32,100 shares beneficially owned following the transaction, held directly. The filing explains these are restricted stock units that will vest in full on 09/30/2026, with each unit representing a contingent right to one share of common stock. The Form 4 was signed on behalf of the reporting person by an attorney in fact on 10/02/2025.
Zane Ellen M, a Director of Synchrony Financial (SYF), reported an acquisition on 09/30/2025 of 775 restricted stock units (RSUs) at a reported price of $71.05 per share. Following the transaction, the reporting person beneficially owns 29,854 shares of Synchrony common stock in a direct ownership form. The filing uses Code V, and the RSUs are disclosed to vest in full on 09/30/2026, with each RSU representing a contingent right to one share. The Form 4 signature is executed by an attorney-in-fact on 10/02/2025.
Arthur W. Coviello Jr., a director of Synchrony Financial (SYF), reported a transaction dated 09/30/2025 in which 775 shares were acquired at $71.05 per share, bringing his total beneficial ownership to 50,169 shares. The filing states these are restricted stock units that will vest in full on 09/30/2026, and each unit represents a contingent right to one share of common stock. The Form 4 was signed by an attorney-in-fact on 10/02/2025. The filing identifies the acquisition as direct ownership and does not disclose any derivative positions or additional terms beyond the vesting date.
Fernando Aguirre, a director of Synchrony Financial (SYF), reported a transaction dated 09/30/2025 showing the vesting/acquisition of 775 shares of Synchrony common stock at a reported price of $71.05. Following the transaction, Mr. Aguirre beneficially owns 27,887 shares directly and indirectly, including 15,300 shares held indirectly by family trusts. The filing explains these 775 shares represent restricted stock units that will vest in full on 09/30/2026, and each unit converts to one share when vested. The Form 4 was signed by an attorney-in-fact on 10/02/2025.
Synchrony Financial director Richie Laurel reported on Form 4 that he acquired 775 shares of Synchrony common stock on 09/30/2025 at a reported price of $71.05 per share. After the transaction he beneficially owns 48,965 shares directly. The filing clarifies the acquisition represents restricted stock units that will vest in full on 09/30/2026, with each unit converting into one share when vested. The Form 4 was signed by an attorney-in-fact and does not disclose any derivative transactions or changes to other holdings.