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 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.
Synchrony Financial (SYF) has an insider who filed a Form 144 notice to sell 32,000 shares of common stock through Fidelity Brokerage Services LLC on 11/17/2025, with an aggregate market value of $2,329,600.
The shares to be sold were acquired through restricted stock vesting in 2018, 2022 and 2024, and from an option granted on 04/01/2017 and exercised on 11/17/2025, with consideration identified as compensation and cash.
Synchrony Financial furnished monthly credit metrics via Exhibit 99.1. The report provides Monthly Charge-Off and Delinquency Statistics as of and for each of the thirteen months ended October 31, 2025.
The company intends to continue furnishing these statistics monthly, with the last month of each quarter furnished contemporaneously with its quarterly results. The information was furnished under Item 7.01 and is not deemed “filed” under the Exchange Act.