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 entered into an underwriting agreement to issue and sell $750,000,000 aggregate principal amount of 4.947% Fixed-to-Floating Rate Senior Notes due 2032 in a public offering under its existing shelf registration statement.
The notes will be issued under an existing base indenture with The Bank of New York Mellon as trustee, as amended by prior supplemental indentures and a new Fifteenth Supplemental Indenture dated February 25, 2026. Major underwriters include BofA Securities, J.P. Morgan Securities and Mizuho Securities USA.
Synchrony Financial is offering $750,000,000 aggregate principal amount of 4.947% fixed-to-floating senior notes due February 25, 2032 pursuant to a prospectus supplement.
The notes pay 4.947% interest through February 25, 2031, then reset to Compounded SOFR plus 153 basis points through maturity, are unsecured and rank equally with other unsecured indebtedness. Net proceeds are estimated at $744.25 million for general corporate purposes.
Synchrony Financial director Jeffrey G. Naylor reported an acquisition of dividend equivalent units linked to prior equity awards. On February 17, 2026, he received 190 dividend equivalent units at an assigned value of $72.3100 per unit, bringing his directly held units and related shares to 62,677.
These dividend equivalent units were credited as dividends on common shares underlying restricted stock units and deferred stock units previously granted under Synchrony’s long-term incentive and non-employee director deferred compensation plans. Each unit is economically equivalent to one share of Synchrony Financial common stock, increasing the director’s incentive-based exposure without an open-market purchase.
Synchrony Financial director reports a routine equity-related award. Director Daniel O. Colao acquired 14 dividend equivalent units on February 17, 2026 at a reference price of $72.31 per unit. After this grant, he holds 3,986 dividend equivalent units directly.
The footnote explains these units were accrued as dividends on common shares underlying restricted stock units. The dividend equivalent units vest proportionately with the related restricted stock units and follow the same settlement and expiration terms. Each unit is the economic equivalent of one share of Synchrony Financial common stock, providing additional stock-linked compensation tied to existing awards.
Synchrony Financial executive Carol Juel reported mixed insider activity involving company equity on February 17, 2026. She received 243 dividend equivalent units tied to restricted stock units, each economically equal to one common share, reflecting dividends on underlying awards. On the same date, she sold 44,411 shares of Synchrony Financial common stock in an open-market transaction at a reported price of $70.60 per share under a pre-established Rule 10b5-1 trading plan. Following these transactions, her directly held common stock position was 58,773 shares, and her dividend equivalent unit balance was 103,184 units.
Synchrony Financial director Ellen M. Zane reported an acquisition of 14 dividend equivalent units on February 17, 2026. These units were accrued as dividends on common shares underlying restricted stock units and are valued at 72.3100 per unit. After this grant, she directly holds a total of 30,543 dividend equivalent units. The units vest proportionately with the related restricted stock units and settle or expire on the same terms, and each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock.
Synchrony Financial officer Courtney Gentleman reported mixed insider activity. On February 17, 2026, she received a grant of 74 dividend equivalent units tied to existing restricted stock units, each economically equal to one share of Synchrony common stock. The same day, she executed an open-market sale of 12,045 common shares at $70.60 per share under a pre-established Rule 10b5-1 trading plan adopted on November 5, 2025.
Following these transactions, she directly held 17,853 shares of Synchrony common stock and 29,898 dividend equivalent units, which vest and settle on the same terms as their underlying restricted stock units.
Synchrony Financial officer Alberto Casellas reported multiple equity transactions involving company stock and related units. On February 17, 2026, he acquired 5,794 Employee Stock Options through an exercise of derivative securities and received 208 dividend equivalent units tied to restricted stock units, plus 0.76 phantom stock units through a deferred compensation dividend reinvestment feature.
He also acquired 5,794 shares of common stock upon option exercise at a stated exercise price of $34.30 per share, then sold 41,514 shares of common stock in an open-market transaction at $70.60 per share under a pre-established Rule 10b5-1 trading plan. Following these transactions, he directly held 57,338 shares of Synchrony Financial common stock.
Synchrony Financial director Deborah G. Ellinger reported an automatic award of dividend equivalent units. On this Form 4, she acquired 3.000 dividend equivalent units at a reference price of $72.31 per unit, increasing her directly held balance to 663.000 units.
The footnote explains these units were accrued as dividends on common shares underlying restricted stock units. They vest and settle on the same schedule as the related restricted stock units, and each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock.
Synchrony Financial director Kamila K. Chytil reported an automatic award of dividend equivalent units. On February 17, 2026, she acquired 14 dividend equivalent units at an indicated price of $72.31 per unit, bringing her directly held balance to 16,232 units. These units were accrued as dividends on common shares underlying restricted stock units and will vest, settle, and expire on the same terms as the related restricted stock units. Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock.