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.
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.
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.