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 is conducting a primary offering of two series of fixed‑to‑floating rate senior unsecured notes. The notes pay a fixed rate for an initial period, then a floating rate based on Compounded SOFR plus a spread, with interest payable in arrears. They rank equally with Synchrony’s other unsecured, unsubordinated debt but are structurally subordinated to all liabilities of subsidiaries, including bank deposits and securitization debt. Proceeds are intended for general corporate purposes and may be contributed or lent to Synchrony Bank.
For the six months ended June 30, 2026, Synchrony reported net earnings of $1,690 million on interest income of $11,186 million and loan receivables of $102,208 million. At June 30, 2026, total assets were $121,930 million, deposits were $82,806 million, and total subsidiary and securitization liabilities were $97.5 billion.
Synchrony Financial reported net earnings of $885 million for the three months and $1.69 billion for the six months ended June 30, 2026, slightly below the prior year as higher net interest income was offset by increased retailer share arrangements, higher operating costs and smaller reserve releases.
The company financed $49.8 billion of purchase volume in the quarter and $92.8 billion year-to-date, with average active accounts around 68.3–68.7 million. Loan receivables were $102.2 billion at June 30, 2026, up 2.4% year over year, while deposits reached $82.8 billion, representing 83% of total funding.
Credit metrics improved modestly: the net charge-off rate fell to 5.43% and over-30-day delinquencies edged down to 4.16%, with an allowance coverage ratio of 10.09%. Capital remained strong, with a 13.2% common equity Tier 1 ratio and 16.9% total risk-based capital. The company repurchased $1.8 billion of common stock in the first half, had $5.7 billion remaining under its new repurchase program, paid $0.60 per share in common dividends, and plans to raise the quarterly dividend to $0.34 starting in the third quarter of 2026.
Synchrony Financial furnished unaudited monthly credit-quality statistics for the thirteen months ended June 30, 2026. At June 30, 2026, period-end loan receivables were $102.2 billion, with average loan receivables of $101.3 billion and a 30+ delinquency rate of 4.2%.
The June 2026 net charge-off rate was 5.3%, and the adjusted net charge-off rate, including a (0.1%) recovery adjustment, was 5.2%. Consumer credit card loan receivables represented more than 90% of total period-end receivables. Synchrony plans to continue providing these monthly statistics, with quarter-end months furnished together with its quarterly financial results.
Synchrony Financial reported second quarter 2026 net earnings of $885 million, down from $967 million a year earlier, while diluted EPS rose to $2.59 from $2.50 as the share count declined 12.5%. Net interest income was $4.61 billion, up 1.9%, and net interest margin improved to 15.08%, 30 basis points higher than 2Q 2025. Provision for credit losses increased to $1.20 billion, other income rose to $137 million helped by a $30 million Visa B‑2 share exchange gain, and other expense grew to $1.33 billion, producing an efficiency ratio of 35.8%, return on assets of 2.9%, and return on equity of 21.4%.
Business activity remained solid, with purchase volume up 8.1% to $49.8 billion and loan receivables up 2.4% to $102.2 billion, while average active accounts were roughly flat at 68.3 million. Credit quality metrics improved: net charge‑offs were 5.43% of average loan receivables versus 5.70%, 30+ day delinquencies were 4.16% of loans, and the allowance coverage ratio was 10.09% versus 10.59% a year earlier. Deposits totaled $82.8 billion, funding 83% of the balance sheet; total liquid assets were $19.8 billion, 16.2% of assets. The estimated Common Equity Tier 1 ratio was 13.2%. Synchrony returned $950 million to shareholders in the quarter, including $850 million of repurchases and $100 million of dividends, and management’s updated 2026 outlook calls for mid‑single‑digit ending loan receivables growth, diluted EPS of $9.25–$9.50, and a net charge‑off rate of less than 5.5%.
Synchrony Financial director P.W. Parker received an equity award of 789 shares of common stock in the form of restricted stock units. The grant is compensation-related rather than an open-market purchase and is valued at $76.05 per share.
The restricted stock units will vest in full on June 30, 2027, at which time each unit will convert into one share of Synchrony Financial common stock if vesting conditions are met. Following this award, Parker directly holds 34,475 shares, so the grant represents a small incremental increase in his equity position.
Synchrony Financial director Paget Leonard Alves received an equity award rather than buying shares on the market. On the award date, he acquired 789 restricted stock units valued at $76.05 per unit as compensation. These units vest in full on June 30, 2027, and will each convert into one share of common stock, bringing his direct holdings to 52,383 shares after the grant.
ELLINGER DEBORAH G reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Deborah G. Ellinger received an equity grant of 789 shares of common stock in the form of restricted stock units. The units were valued at $76.05 per share on the grant date and will vest in full on June 30, 2027, if conditions are met. After this grant, she holds a total of 2,342 shares of Synchrony Financial common stock directly.
AGUIRRE FERNANDO reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Fernando Aguirre reported an equity award and updated holdings. On June 30, 2026, he received 789 restricted stock units, granted at $76.05 per share, as a compensation-related award. These units will vest in full on June 30, 2027, with each unit representing one share of common stock.
Following the grant, Aguirre directly holds 30,262 shares of Synchrony Financial common stock and indirectly holds 15,300 shares through family trusts.
Synchrony Financial director Daniel O. Colao received an equity award in the form of restricted stock units. The Form 4 reports an acquisition of 789 shares of Common Stock at $76.05 per share, granted as restricted stock units that will vest in full on June 30, 2027. After this grant, Colao directly holds 5,672 shares of Synchrony Financial common stock.
Zane Ellen M reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Ellen M. Zane received an equity award of 789 restricted stock units on June 30, 2026. The RSUs are valued at $76.05 per share and represent a contingent right to receive an equal number of Synchrony Financial common shares.
The restricted stock units will vest in full on June 30, 2027, assuming applicable conditions are met. Following this grant, Zane holds a total of 32,229 shares directly. This is a routine, compensation-related equity award rather than an open-market purchase or sale.