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.
State Street Corporation filed a passive Schedule 13G reporting beneficial ownership of 19,080,903 shares (5.1%) of Synchrony Financial common stock as of 09/30/2025.
The filing lists shared voting power over 4,078,872 shares and shared dispositive power over 19,080,903 shares, with zero sole voting or dispositive power. The reporting person is classified as HC (parent holding company), with multiple investment adviser affiliates named. The certification states the securities were acquired and are held in the ordinary course and not for the purpose of changing or influencing control.
Synchrony Financial (SYF) reported insider activity by an executive officer (EVP & CEO—Lifestyle). On 10/27/2025, 2,377 shares were withheld (Code F) at $72.26 to cover taxes tied to RSU vesting, leaving 19,085 shares owned directly. On 11/03/2025, 2,989 shares were sold (Code S) at $74.02 under a Rule 10b5-1 plan adopted on 10/18/2024, resulting in 16,096 shares owned directly.
Synchrony Financial (SYF) Form 4: An executive reported an internal reallocation involving 11,706 phantom stock units in the company’s Restoration Plan on November 3, 2025. The disposition reflected the $74.01 closing price of SYF common stock on that date.
Phantom stock units are the economic equivalent of one share of common stock and, per plan terms, are settled in cash the month following the six‑month anniversary of the executive’s separation. Following the reported transaction, the filing lists 11,707 phantom stock units beneficially owned in the plan.
The filing indicates a transfer of the cash value to an alternative investment option within the plan, not an open‑market sale of SYF common shares.
Synchrony Financial reported a Form 4 for a director detailing two transactions on 11/03/2025. The insider sold 8,000 shares of common stock at a $73.93 weighted average price, with individual trades ranging from $73.69 to $74.21. The filing also shows a charitable gift of 6,400 shares. These moves were made under a Rule 10b5-1 trading plan adopted on July 25, 2025. Shares beneficially owned following the sale were 35,769.
Synchrony Financial (SYF) reported an insider transaction by an officer (EVP, CEO—Home & Auto) on 11/03/2025. The reporting person exercised 12,086 stock options at $34.30 per share and, the same day, sold 12,086 shares at $74.02. Following these transactions, the officer directly holds 108,271 shares.
The trades were made under a Rule 10b5-1 trading plan adopted on July 24, 2025. The options were originally granted on April 1, 2017 and vest in five equal annual installments, with an expiration date of April 1, 2027.
Form 144 notice: A shareholder filed to sell 12,086 shares of common stock on or about 11/03/2025 through Fidelity Brokerage Services LLC on the NYSE. The filing lists an aggregate market value of $894,605.72 for the proposed sale and notes 360,171,098 shares outstanding. The shares were acquired on 11/03/2025 via options granted on 04/01/2017, with payment in cash on the same date.
Form 144 notice of proposed sale was filed for common stock. The filer plans to sell 800 shares through Raymond James & Associates on the NYSE, with an aggregate market value of 590,663.65. The filing lists an approximate sale date of 11/03/2025. Shares outstanding were 360,171,098; this is a baseline figure, not the amount being offered.
The securities were originally acquired as compensation on several dates, as disclosed in the acquisition table.
Synchrony Financial (SYF) filed a Form 144 notice for a proposed sale of common stock. The filer plans to sell 2,989 shares through Fidelity Brokerage Services LLC, with an aggregate market value $221,245.78, on or about 11/03/2025 on the NYSE.
The shares were acquired via restricted stock vesting on 10/27/2025, recorded as compensation. In the prior three months, the filer sold 600 shares on 08/04/2025 for $40,770.00. The filing lists 360,171,098 shares outstanding for the issuer.
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.