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.
Credit-card loss tables, CECL roll-forwards, and securitization trust cash-flow waterfalls make Synchrony Financial’s disclosures anything but light reading. If you’ve ever spent hours hunting for partner-level receivables data or combing Form 4s to see when executives buy shares, you know the challenge. That’s why this page brings every Synchrony Financial SEC filing explained simply and in one place.
Our AI scans each incoming document from EDGAR in real time, distilling the 300-plus pages of a Synchrony Financial annual report 10-K simplified down to the key shifts in net-charge-offs, funding costs, and capital ratios. Need the latest Synchrony Financial quarterly earnings report 10-Q filing? It’s here within minutes, paired with concise trend commentary. Curious about executive pay? Open the Synchrony Financial proxy statement executive compensation and jump straight to CEO incentive metrics. Monitoring insider activity is equally direct: receive alerts for every Synchrony Financial Form 4 insider transactions real-time so you never miss a trade.
Beyond the big three filings, you’ll also find immediate access to Synchrony Financial 8-K material events explained—from new retail-partner agreements to changes in loss-reserve forecasts. Our coverage extends to all Synchrony Financial insider trading Form 4 transactions, shelf-registration S-3s, and capital-return authorisations. Each document comes with an AI-powered synopsis, practical use-case tags (liquidity, partner concentration, credit trends), and cross-links to historical data. Whether you’re analysing allowance movements, comparing segment margins, or simply trying to understand Synchrony’s risk profile, Stock Titan’s platform answers the questions investors actually ask: “Is management buying stock?”, “How did charge-offs move this quarter?”, and “What triggers appear in the covenant schedules?”. Explore, filter, and export—understanding Synchrony Financial SEC documents with AI has never been easier. Unlock deeper insights today with our Synchrony Financial earnings report filing analysis and stay ahead of every Synchrony Financial executive stock transactions Form 4 update.
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.
State Street Corporation filed a passive Schedule 13G reporting beneficial ownership of 19,080,903 shares (
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.
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