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 that its Board of Directors elected Deborah Ellinger as a director, effective October 1, 2025. She will serve on the company’s Risk Committee and Technology Committee, reflecting a governance focus on risk oversight and technology matters.
Ms. Ellinger will receive total annual director compensation of $320,000, with $100,000 in cash and $220,000 in restricted stock units, plus an additional $20,000 for Risk Committee service and $15,000 for Technology Committee service. She entered into the company’s standard indemnification agreement, and the filing notes there are no related-party arrangements or relationships requiring disclosure.
Synchrony Financial (SYF) insider filing: Bart Schaller, listed as EVP, CEO--Digital, reported the acquisition on 08/15/2025 of 176 dividend equivalent units tied to restricted stock units at an economic value of $71.49 each. These dividend equivalent units vest and settle on the same terms as the underlying restricted stock units and are economically equivalent to one share of common stock each. After this accrual, the report shows 41,945 shares beneficially owned. The form was signed by an attorney-in-fact on 08/19/2025.
Curtis Howse, listed as an Officer of Synchrony Financial (SYF), reported an acquisition of 108,271 dividend equivalent units on 08/15/2025. The form states these units represent dividend equivalents on restricted stock units and vest and settle on the same terms as the underlying RSUs. Each dividend equivalent unit is economically equivalent to one share of Synchrony common stock. The reported per-unit value for the accrued dividend equivalents is $71.49. The filing was executed by attorney-in-fact Danielle Do on 08/19/2025.
Alves Paget Leonard, a director of Synchrony Financial (SYF), reported receipt of 48,827 dividend equivalent units on 08/15/2025. The Form 4 shows these units were recorded at a per-unit value of $71.49, and represent dividend equivalents on common shares underlying previously granted restricted stock units and deferred stock units under the companys long-term incentive and non-employee director deferred compensation plans. Each dividend equivalent unit equals the economic equivalent of one share. The filing is signed by an attorney-in-fact on 08/19/2025.
Roy A. Guthrie, a director of Synchrony Financial (SYF), reported dividend equivalent units credited on August 15, 2025 that represent the cash-equivalent dividends on previously granted restricted stock units and deferred stock units. The filing records 37,151 dividend equivalent units credited, each equal to one share of common stock, with an indicated per-unit value of $71.49. The report notes that Guthrie 2012 Investments LP, for which Mr. Guthrie is the investment manager, owns 34,106 shares and that Mr. Guthrie disclaims beneficial ownership of those partnership-held shares except to the extent of his pecuniary interest. The form was signed by an attorney-in-fact on behalf of the reporting person.
Kamila K. Chytil, a Director of Synchrony Financial (SYF), recorded the accrual and acquisition of 14,768 dividend equivalent units on 08/15/2025 tied to restricted stock units. These dividend equivalent units are described as economically equivalent to one share of Synchrony common stock each and vest and settle on the same terms and schedule as the underlying restricted stock units. The transaction was reported on Form 4 and signed by an attorney-in-fact on 08/19/2025. The per-unit value noted for the dividend equivalent units is $71.49.
Jonathan S. Mothner, identified as an officer (EVP, Chief Risk and Legal Officer) of Synchrony Financial (SYF), reported a non‑derivative transaction dated 08/15/2025 that added 234 dividend equivalent units tied to restricted stock units at an attributable price of $71.49 per unit. The filing states each dividend equivalent unit is the economic equivalent of one share and vests and settles on the same terms as the related restricted stock units, and shows 146,862 shares beneficially owned following the reported transaction.
The form is marked as executed pursuant to a written plan intended to satisfy the affirmative defense conditions of Rule 10b5‑1(c). The Form 4 was signed by an attorney‑in‑fact on 08/19/2025. The filing contains an explanatory remark describing the nature and vesting parity of the dividend equivalent units.
Carol Juel, EVP, Chief Technology and Operating Officer at Synchrony Financial (SYF), reported acquisition of 244 dividend equivalent units on 08/15/2025. These units represent dividend equivalents paid on the common shares underlying restricted stock units and vest and settle on the same terms as those RSUs. Each dividend equivalent unit equals one share of common stock. After the reported accrual the filing shows 58,281 shares beneficially owned. The transaction was executed at a recorded per‑unit value of $71.49.
A company officer reported receipt of dividend-equivalent units tied to restricted stock units. Amy Tiliakos, Senior Vice President and Chief Accounting Officer and Controller at Synchrony Financial (SYF), was issued 60 dividend equivalent units on August 15, 2025, valued at $71.49 each. These units represent the economic equivalent of one share of Synchrony Financial common stock and vest and settle on the same schedule as the related restricted stock units. After the issuance, she beneficially owned 17,874 shares. The Form 4 was signed by an attorney-in-fact on August 19, 2025.
Insider transaction disclosure: Director Daniel O. Colao received 2,522 dividend equivalent units on August 15, 2025 related to restricted stock units in Synchrony Financial (SYF). These units are the economic equivalent of one share of common stock each, vest proportionately with the underlying restricted stock units, and are subject to the same settlement and expiration terms as those restricted stock units. The reported per-unit value for these dividend equivalent units is $71.49, and the Form 4 was signed on August 19, 2025 by an attorney-in-fact.