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 officer Darrell Owens reported mixed insider activity. On February 17, 2026, he sold 10,304 shares of common stock in an open-market transaction at $70.60 per share, under a Rule 10b5-1 trading plan adopted on October 17, 2025.
On the same date, he acquired 68 dividend equivalent units at $72.31 per unit, tied to underlying restricted stock units and economically equivalent to common shares. Following these transactions, he directly held 16,233 shares of common stock and 26,537 dividend equivalent units.
GUTHRIE ROY A reported acquisition or exercise transactions in this Form 4 filing.
Synchrony Financial director Roy A. Guthrie reported an award of 146 dividend equivalent units on February 17, 2026. These units reflect dividends paid on common shares underlying restricted stock units and deferred stock units previously granted under the company’s long-term incentive and non-employee director deferred compensation plans.
Each dividend equivalent unit is economically equal to one share of Synchrony Financial common stock, bringing Guthrie’s directly held derivative balance to 38,880 units after the award. The filing also notes 34,106 common shares held indirectly by Guthrie 2012 Investments LP, for which Guthrie disclaims beneficial ownership except for his direct pecuniary interest.
Synchrony Financial executive Amy Tiliakos reported an automatic award of dividend equivalent units linked to existing restricted stock units. On the transaction date, she acquired 59 dividend equivalent units at a reference price of $72.31 per unit, bringing her directly held units to 17,994.
The footnote explains these dividend equivalent units were accrued as dividends paid on the common shares underlying her restricted stock units. They will vest, settle, and expire on the same schedule and terms as the related restricted stock units, and each unit is economically equal to one share of Synchrony Financial common stock.
Synchrony Financial director Parker P.W. reported an automatic grant related to existing equity awards. On February 17, 2026, Parker acquired 14 dividend equivalent units at a reference price of $72.31 per unit, bringing direct holdings to 32,789 units. These dividend equivalent units were credited as cash dividends were paid on common shares underlying restricted stock units, and they will vest and settle on the same schedule and terms as those restricted stock units. Each unit is economically equal to one share of Synchrony Financial common stock, but follows the vesting and expiration conditions of the related awards.
Synchrony Financial intends to offer fixed-to-floating rate senior notes, as described in a preliminary prospectus supplement dated February 18, 2026 and labelled "subject to completion."
The notes are senior, unsecured obligations that will rank equally with Synchrony’s other unsecured, unsubordinated debt and will initially bear a fixed rate for an initial period before converting to a floating rate tied to Compounded SOFR plus a stated spread. The prospectus supplement states the offering will be issued in book-entry form through The Depository Trust Company and that net proceeds are intended for general corporate purposes, which may include contributions or loans to Synchrony Bank. The supplement reiterates key company metrics: $182.3 billion of purchase volume financed in 2025, $103.8 billion of loan receivables and 70.7 million active accounts as of December 31, 2025, and $81.1 billion in deposits at the Bank as of that date.
A shareholder of SYF has filed a notice of intent under Rule 144 to sell 10,304 shares of common stock through Fidelity Brokerage Services on 02/17/2026 on the NYSE. The filing cites an aggregate market value of $727,462.40 and shows 347,596,279 shares of common stock outstanding.
The shares to be sold were acquired as restricted stock vesting from the issuer on 01/21/2026 as compensation, with the same date shown for payment. The filer represents that they are not aware of any undisclosed material adverse information about the issuer.
A shareholder of SYF has filed a Form 144 notice covering a proposed sale of 35,300 common shares through Fidelity Brokerage Services on the NYSE. The shares have an aggregate market value of $2,492,180.00 and the approximate sale date is February 17, 2026.
The securities were acquired on January 21, 2026 via restricted stock vesting from the issuer as compensation. The notice states that 347,596,279 shares of this class were outstanding, and includes the required representation that the seller is not aware of undisclosed material adverse information.
Synchrony Financial received a notice of proposed stock sales under Rule 144. A shareholder plans to sell 12,045 shares of common stock on the NYSE through Fidelity Brokerage Services LLC, with an aggregate market value of 850,377.00.
The shares were acquired on 01/21/2026 through restricted stock vesting from the issuer as compensation. The notice indicates 347,596,279 common shares outstanding and includes the required representation that the seller is not aware of any undisclosed material adverse information about the company.
An insider of SYF has filed a notice to sell 41,514 common shares through Fidelity Brokerage Services on or about 02/17/2026 on the NYSE, with an aggregate market value of $2,930,888.40 and 347,596,279 shares of this class outstanding.
The shares to be sold were recently acquired from the issuer, including 35,720 shares from restricted stock vesting on 01/21/2026 paid as compensation and 5,794 shares acquired on 02/17/2026 via option exercise for cash.
A security holder of the NYSE-listed company with ticker SYF filed a notice of proposed sale of 44,411 shares of common stock under Rule 144. The shares are to be sold through Fidelity Brokerage Services LLC on the NYSE, with an aggregate market value of $3,135,416.60 and with 347,596,279 shares outstanding cited for context.
The shares were acquired on 01/21/2026 via restricted stock vesting from the issuer as compensation, with the same date listed as the payment date. The filing also includes a representation that the seller does not know of any undisclosed material adverse information about the issuer’s current or prospective operations.