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.
Chytil Kamila K reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Kamila K. Chytil received an award of 883 shares of common stock in the form of restricted stock units. The units are valued at $68.02 per share and will vest in full on March 31, 2027, reflecting compensation rather than an open-market purchase.
After this grant, Chytil directly holds 17,115 shares of Synchrony Financial common stock, including this new award. Each restricted stock unit represents a contingent right to receive one share of common stock upon vesting.
COVIELLO ARTHUR W JR reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Arthur W. COVIELLO JR received an equity grant of 883 shares of common stock on March 31, 2026 as a grant or award. The grant is in the form of restricted stock units valued at $68.02 per share and will vest in full on March 31, 2027.
Each restricted stock unit represents a right to receive one share of Synchrony Financial common stock once vesting conditions are met. After this award, the director directly holds 33,341 shares of Synchrony Financial common stock.
Richie Laurel reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Richie Laurel received a grant of restricted stock units, not an open-market share purchase. The award covers 883 units of common stock valued at $68.02 per unit on the grant date. Following this grant, Laurel holds 50,767 shares directly.
The 883 restricted stock units will vest in full on March 31, 2027, meaning shares are delivered only if the vesting conditions are met. Each unit represents a contingent right to receive one share of Synchrony Financial common stock.
Synchrony Financial director P.W. Parker received an equity grant of 883 shares of common stock in the form of restricted stock units. These units were valued at $68.02 per share for reporting purposes and will vest in full on March 31, 2027.
Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock. After this award, Parker directly holds 33,672 shares, reflecting a routine compensation-related acquisition rather than an open-market purchase.
Synchrony Financial ownership update: The Vanguard Group filed Amendment No. 10 to a Schedule 13G/A reporting beneficial ownership of 0% of Synchrony Financial common stock following an internal realignment dated January 12, 2026. The filing states certain Vanguard subsidiaries will report holdings separately in reliance on SEC Release No. 34-39538 and that The Vanguard Group no longer is deemed to beneficially own securities held by those subsidiaries. The form is signed by Ashley Grim, Head of Global Fund Administration, dated March 27, 2026.
Synchrony Financial filed an update with detailed monthly credit quality statistics for its loan portfolio for the thirteen months ended February 28, 2026. Period-end loan receivables were $99.9 billion at February 28, 2026, with a 30+ day delinquency rate of 4.7% and an adjusted net charge-off rate of 5.8%.
The data show monthly trends in receivables, delinquencies, and net charge-offs, including a non-GAAP adjusted net charge-off rate that smooths recoveries and debt sales across each quarter. Synchrony notes that varying charge-off cycle dates each month can cause charge-off rates to move without a real change in portfolio performance.
Synchrony Financial insider Courtney Gentleman reported several common stock transactions. On March 1, 2026, Gentleman received a grant of 9,768 restricted stock units at $69.11 per share value, which will vest in three equal annual installments of 33.33% beginning on the first anniversary of the grant date.
Also on March 1, 3,452 shares of Synchrony Financial common stock were withheld by the company to cover tax liabilities arising from restricted stock unit vesting. On March 2, 2026, Gentleman executed an open-market sale of 4,338 shares at an average price of $67.71 per share under a pre-established Rule 10b5-1 trading plan adopted on November 5, 2025.
Following these transactions, Gentleman directly owned 19,831 shares of Synchrony Financial common stock.
Synchrony Financial officer Bart Schaller reported several stock transactions. On March 1, 2026, he received a grant of 14,610 restricted stock units at $69.11 per share. These units vest in three equal annual installments of 33.33% each, starting one year after the grant date.
Also on March 1, 9,895 shares of common stock were automatically withheld at $69.11 to cover taxes due on vesting; no investment decision was made for this tax-withholding disposition. On March 2, 2026, he executed an open-market sale of 12,980 shares at $67.71 per share under a pre-established Rule 10b5-1 trading plan, leaving 34,035 shares of common stock held directly after the sale.
Synchrony Financial officer Carol Juel reported multiple stock transactions involving company common shares. On March 2, 2026, she completed an open-market sale of 16,859 shares at $67.71 per share under a pre-arranged Rule 10b5-1 trading plan, leaving her with 51,446 directly owned shares after that transaction.
On March 1, 2026, she acquired 24,093 shares through a restricted stock unit grant at a reference price of $69.11 per share. These units vest in three equal annual installments of 33.33%, each representing the right to receive one share. Also on March 1, 14,561 shares were withheld by Synchrony to cover tax liabilities upon vesting, described as a tax-withholding disposition with no investment decision by Juel.
Synchrony Financial executive Curtis Howse reported several stock transactions involving company common shares. On March 2, 2026, he completed an open-market sale of 7,882 shares at an average price of $67.71 per share, leaving him with 94,873 directly held shares afterward.
On March 1, 2026, he received a grant of 19,535 restricted stock units at $69.11 per share, which will vest in three equal annual installments of 33.33% beginning one year after the grant date. Also on that date, 11,184 shares were automatically withheld by the company to cover tax liabilities tied to vesting, with no investment decision by Howse. The sale was executed under a Rule 10b5-1 trading plan adopted on July 24, 2025.