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.
Chytil Kamila K reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Kamila K. Chytil received a grant of 789 restricted stock units of common stock at a reference value of $76.05 per share. After this grant, she directly holds 17,918 shares of Synchrony Financial common stock. The restricted stock units will vest in full on June 30, 2027, and each unit represents a contingent right to receive one share of common stock, aligning part of her compensation with future company performance.
Synchrony Financial director Richie Laurel reported a stock-based compensation grant. On June 30, 2026, he received 789 restricted stock units of Synchrony Financial common stock at $76.05 per share under a grant, award, or other acquisition. These units will vest in full on June 30, 2027, each representing a contingent right to receive one share of common stock. Following this award, Laurel directly holds 51,691 shares of Synchrony Financial common stock. This is a compensation-related equity grant rather than an open-market purchase or sale.
Synchrony Financial director Jeffrey G. Naylor received an award of 1,200 restricted stock units of Common Stock at a reference price of $76.05 per share. These restricted stock units will vest in full on June 30, 2027, with each unit converting into one share of Synchrony Financial common stock.
After this compensation-related award, Naylor holds 65,417 shares of Synchrony Financial common stock directly. This Form 4 reflects a grant or award acquisition 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 reported an equity award and updated holdings. On June 30, 2026, he received a grant of 789 restricted stock units of common stock at $76.05 per unit. These units will vest in full on June 30, 2027, and each unit represents a contingent right to receive one share of common stock.
Following this grant, Guthrie directly holds 40,704 shares of Synchrony Financial common stock. The filing also notes that 34,106 shares are held by Guthrie 2012 Investments LP, where he serves as Investment Manager and disclaims beneficial ownership except to the extent of his direct pecuniary interest.
COVIELLO ARTHUR W JR reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Arthur W. Coviello Jr. reported an award of 789 shares of common stock in the form of restricted stock units. The units were valued at $76.05 per share for reporting purposes, and following this grant he directly holds 30,144 shares of Synchrony Financial common stock.
The footnote explains that these 789 restricted stock units will vest in full on June 30, 2027. Each unit represents a contingent right to receive one share of Synchrony Financial common stock once the vesting condition is satisfied.
Synchrony Financial announced several executive leadership changes focused on its Digital platform and Technology and Operations organizations. Carol Juel has been appointed Executive Vice President and Chief Executive Officer of Synchrony’s Digital platform, succeeding retiring leader Bart Schaller and continuing to report to CEO Brian Doubles.
Her former technology and operations responsibilities will be split among the broader executive team. Florin Arghirescu has been promoted to Executive Vice President and Chief Technology Officer, leading enterprise technology strategy, AI agenda, engineering and platforms. DJ Casto becomes Executive Vice President, Chief People and Operations Officer, combining Human Resources with responsibility for operations, including servicing, collections and customer care.
The company positions these changes as supporting digital growth, customer experience, AI momentum and emerging areas such as agentic commerce for major digital-first partners like Amazon, PayPal, Venmo and Verizon.
Synchrony Financial reported the results of its 2026 Annual Meeting of Stockholders held on June 24, 2026. Stockholders elected all 12 director nominees, each receiving over 287 million votes in favor with relatively small opposition and abstentions, plus 15,567,869 broker non-votes on each director item.
Stockholders also ratified KPMG LLP as the company’s independent registered public accounting firm for 2026, with 305,208,523 votes for, 4,899,874 against and 116,965 abstentions. In addition, the advisory vote to approve named executive officer compensation passed with 273,729,776 votes for, 18,945,741 against, 1,981,976 abstentions and 15,567,869 broker non-votes.
Synchrony Financial furnished monthly credit quality statistics for the thirteen months ended May 31, 2026. Period-end loan receivables were $101.7 billion at May 31, 2026, with average loan receivables of $100.6 billion for that month.
The 30+ delinquency rate at May 31, 2026 was 4.2%. The reported net charge-off rate was 5.5%, and the adjusted net charge-off rate, a non-GAAP metric that smooths recoveries and debt sales within each quarter, was 5.4%.
The company plans to continue providing these monthly charge-off and delinquency statistics, with data for each quarter’s final month furnished at the same time as its quarterly financial results.
Synchrony Financial has issued and sold 500,000 depositary shares, each representing a 1/100th interest in a share of its new 7.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C. These preferred shares carry specific dividend, voting, redemption and liquidation rights.
The company filed a Certificate of Designations in Delaware, which amends its Amended and Restated Certificate of Incorporation to establish the Series C terms. Under these terms, if dividends on the Series C are not declared and paid or set aside for the prior dividend period, Synchrony’s ability to pay dividends on, or repurchase, redeem or otherwise acquire its common stock and certain other preferred stock is restricted.
Synchrony also entered into an underwriting agreement with BofA Securities, Barclays Capital and Morgan Stanley to sell the 500,000 depositary shares in a public offering under its existing Form S-3 registration statement, and a deposit agreement with Computershare to administer the depositary share program.
Synchrony Financial is offering 500,000 depositary shares, each representing a 1/100th interest in a share of its Series C Preferred Stock (equivalent to 5,000 preferred shares). The public offering price is $1,000 per depositary share ($500,000,000 aggregate) and dividends are payable quarterly commencing August 15, 2026.
Dividends are fixed at 7.250% per annum until the First Reset Date (August 15, 2031), and thereafter will reset each five‑year period to the Five‑Year U.S. Treasury Rate plus 3.078 percentage points. Redemption is at Synchrony’s option subject to Federal Reserve approval (on or after the First Reset Date or following a defined regulatory capital treatment event). The depositary shares will not be listed on any exchange.