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 reports Q1 2026 results with net earnings of $805 million, up from $757 million a year earlier, and diluted EPS of $2.27. Net interest income rose to $4.64 billion as higher loan yields and lower funding costs offset softer liquidity income.
Provision for credit losses fell to $1.34 billion and the net charge-off rate improved to 5.42% from 6.38%, while the allowance coverage ratio was 10.42% on $100.1 billion of loan receivables. Purchase volume grew $42.98 billion from $40.72 billion, with broad strength across Digital and Diversified & Value partners.
Deposits reached $82.9 billion, representing 83% of total funding, and liquid assets were $22.8 billion. Common equity Tier 1 capital stood at 12.7% and return on equity at 19.5%. The company repurchased $900 million of stock in the quarter, secured a new $6.5 billion repurchase authorization with no expiration, and plans to raise its quarterly dividend to $0.34 per share starting in Q3 2026.
Synchrony Financial furnished updated credit quality metrics, providing monthly charge-off and delinquency statistics for the thirteen months ended March 31, 2026 in Exhibit 99.1.
At March 31, 2026, period-end loan receivables were $100.1 billion, with a 30+ delinquency rate of 4.5% and a net charge-off rate of 5.8%. Loan receivables held for sale were zero and average loan receivables, including held for sale, were $99.3 billion for March 2026.
The company also presents an adjusted net charge-off rate, which matches 5.8% for March 2026, using a recovery adjustment that allocates recoveries, including debt sales, evenly across each quarter. Additional disclosure explains how variations in monthly charge-offs can reflect the timing and number of charge-off cycle dates rather than changes in portfolio performance.
Synchrony Financial reported solid first quarter 2026 results with net earnings of $805 million, or $2.27 per diluted share, up from $757 million, or $1.89, a year earlier. Net interest income rose to $4.64 billion, driven by higher loan yields and lower funding costs, lifting net interest margin to 15.50%.
Purchase volume grew 6% to $43.0 billion, while loan receivables were stable at $100.1 billion. Credit quality improved, with net charge-offs at 5.42% versus 6.38%. Return on assets reached 2.7% and return on equity 19.5%.
The company returned $1.0 billion to shareholders in the quarter, including $900 million of share repurchases and $104 million of common dividends. The Board approved a new share repurchase program of up to $6.5 billion with no expiration and a planned 13% increase in the quarterly dividend to $0.34 per share starting in the third quarter of 2026. The estimated Common Equity Tier 1 capital ratio was 12.7%, compared with 13.2% a year earlier.
Synchrony Financial director Alves Paget Leonard received an equity award of 883 shares of Common Stock, reported at $68.02 per share. The award is in the form of restricted stock units that will vest in full on March 31, 2027, each converting into one share of Synchrony Financial common stock. Following this grant, Leonard’s direct holdings total 51,441 shares, reflecting a routine, compensation-related increase in ownership rather than an open‑market purchase.
GUTHRIE ROY A reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Roy A. Guthrie received a grant of 883 restricted stock units of common stock at $68.02 per share-equivalent. These restricted stock units will vest in full on March 31, 2027, with each unit representing a contingent right to receive one share of Synchrony Financial common stock.
After this grant, Guthrie directly holds 39,763 shares of common stock. Separately, Guthrie 2012 Investments LP owns 34,106 shares of common stock; Guthrie serves as Investment Manager of this partnership and disclaims beneficial ownership of those shares except to the extent of his direct pecuniary interest.
Synchrony Financial director Jeffrey G. Naylor received an equity award of 1,343 shares of common stock in the form of restricted stock units. The award is valued at $68.02 per share on the grant date and increases his direct holdings to 64,020 shares.
The restricted stock units will vest in full on March 31, 2027, at which time each unit will convert into one share of Synchrony Financial common stock if the vesting conditions are met. This is a compensation-related, non-market acquisition rather than an open-market purchase.
Synchrony Financial director Daniel O. Colao received an equity award of 883 restricted stock units of common stock. The award is classified as a grant or other acquisition, not an open-market purchase, at a reference price of $68.02 per share.
The restricted stock units will vest in full on March 31, 2027, at which time each unit will convert into one share of Synchrony Financial common stock if vesting conditions are met. Following this award, Colao directly holds 4,869 shares of common stock, reflecting a routine compensation-related increase in his equity stake.
AGUIRRE FERNANDO reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Fernando Aguirre received a grant of 883 restricted stock units, each representing one share of common stock. These restricted stock units are scheduled to vest in full on March 31, 2027. Following this award, Aguirre directly holds 29,459 common shares and also reports indirect ownership of 15,300 shares through family trusts.
Zane Ellen M reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Ellen M. Zane received an equity award of 883 restricted stock units of common stock. The units were valued at $68.02 per share for reporting purposes and are scheduled to vest in full on March 31, 2027, assuming conditions are met.
Each restricted stock unit represents a contingent right to receive one Synchrony Financial common share. After this grant, Zane’s reported direct holdings total 31,426 shares, reflecting a routine, compensation-related award rather than an open-market purchase.
ELLINGER DEBORAH G reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Deborah G. Ellinger received an award of 883 shares of common stock in the form of restricted stock units. The award is valued at $68.02 per share and increases her direct holdings to 1,546 shares of Synchrony Financial common stock.
The restricted stock units will vest in full on March 31, 2027. Each unit represents a contingent right to receive one share of Synchrony Financial common stock, meaning Ellinger will receive the underlying shares only if the vesting conditions are satisfied.