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 furnished updated credit quality statistics for its loan portfolio through January 31, 2026. Period-end loan receivables were $101.7 billion, with average loan receivables of $102.1 billion for the month.
The January 30+ delinquency rate, which measures loans more than 30 days past due as a share of period-end receivables, was 4.6%. The net charge-off rate, reflecting annualized net losses as a percentage of average loan receivables, was 4.7%.
Synchrony also reported an adjusted net charge-off rate of 4.7%, a non-GAAP measure that smooths recoveries, including debt sales, across each quarter. The company states this adjusted metric is intended to give investors a monthly view more indicative of quarterly and annual net charge-off performance.
Synchrony Financial reports steady 2025 performance with net earnings of $3.6 billion, up slightly from 2024, as lower credit costs offset higher profit sharing with retail partners. Net interest income rose to $18.5 billion and net interest margin improved to 15.24%.
Loan receivables ended the year at $103.8 billion with purchase volume of $182.3 billion. Credit quality strengthened, with net charge-offs falling to 5.65% of average loans and over-30-day delinquencies at 4.49%. The allowance for credit losses stood at 10.06% of loans.
Deposits of $81.1 billion funded 84% of total funding, supporting a 3.0% return on assets and 21.1% return on equity. The company repurchased $2.9 billion of stock and paid common dividends of $1.15 per share while renewing and adding major partners such as Amazon, Lowe’s and Walmart’s OnePay program.
Synchrony Financial executive Curtis Howse reported an automatic stock sale under a pre-set trading plan. On February 2, 2026, he sold 52,556 shares of Synchrony Financial common stock at $72.32 per share in an open-market sale coded "S."
The filing notes this transaction was made under a Rule 10b5-1 trading plan adopted on July 24, 2025, indicating it was pre-arranged. After the sale, Howse directly owned 94,196 shares of Synchrony Financial common stock and is identified as EVP, CEO--Home & Auto.
Synchrony Financial director Arthur W. Coviello Jr. reported selling 4,000 shares of Synchrony Financial common stock on February 2, 2026. The shares were sold at a price of $72.32 per share in an open-market transaction.
After this sale, Coviello beneficially owns 32,444 shares of Synchrony common stock in direct form. The transaction was carried out under a pre-established Rule 10b5-1 trading plan that he adopted on July 25, 2025, indicating the sales were scheduled in advance rather than decided at the last minute.
SYF filed a Form 144 notice for a planned sale of 4,000 shares of common stock through Raymond James & Associates on the NYSE, with an aggregate market value of $290,520.00. The number of shares outstanding is 360,171,098, indicating this is a very small portion of the issuer’s stock.
The shares to be sold were originally acquired as compensation in three grants dated 03/31/2019, 06/30/2019, and 09/30/2019 from the issuer. The filer, Arthur Coviello Jr., previously sold 8,000 common shares on 11/03/2025 for gross proceeds of $591,470.00 and represents that he is not aware of undisclosed material adverse information about the issuer.
Synchrony Financial insider Curtis L. Howse has filed a Form 144 notice to sell common stock. The notice covers 52,556 common shares to be sold through Fidelity Brokerage Services LLC on the NYSE, with an aggregate market value of $3,800,849.92 and 360,171,098 common shares outstanding.
The shares to be sold were acquired via restricted stock vesting from the issuer as compensation, including 33,422 shares vested on 01/21/2025 and 19,134 shares vested on 01/21/2026. Over the past three months, Howse previously sold 12,086 common shares for gross proceeds of $894,605.72.
Synchrony Financial filed a current report to make its credit performance data more accessible. The company is furnishing Monthly Charge-Off and Delinquency Statistics for each of the thirteen months ended December 31, 2025 in Exhibit 99.1. These figures show how much of its credit portfolio is written off as uncollectible and how many accounts are past due, which helps readers understand credit quality trends.
The company also states that it intends to continue providing these statistics every month, and that for the last month of each calendar quarter they will be furnished at the same time as its quarterly financial results. The information is furnished under a non‑filed disclosure item, meaning it is not treated as filed for liability purposes or automatically incorporated into other securities law filings unless specifically referenced.
Synchrony Financial filed a current report to share that it has released its earnings information for the fourth quarter of 2025. The company issued a press release on January 27, 2026 detailing its results, and also prepared a financial data supplement, an investor presentation, and an explanation of non-GAAP measures for the quarter ended December 31, 2025. These materials are furnished as exhibits to the report rather than filed, which limits how they are treated under securities laws.
Synchrony Financial President and CEO Brian D. Doubles, who also serves as a director, reported equity award activity in company stock. On January 21, 2026, he acquired 390,751 shares of common stock at $77.13 per share in connection with the vesting of Performance Share Units under the 2023–2025 Long-Term Performance Program, based on pre-established performance goals for that period.
On the same date, 181,132 shares of common stock at $77.13 per share were withheld by Synchrony Financial to cover his tax liability related to that PSU vesting. After these transactions, Doubles beneficially owned 940,886 shares of Synchrony Financial common stock directly.
Synchrony Financial executive Curtis Howse reported equity compensation activity in company stock. On January 21, 2026, he acquired 67,590 shares of Synchrony Financial common stock at $77.13 per share, earned through the vesting of Performance Share Units under the 2023–2025 Long-Term Performance Program based on pre-set performance goals. On the same date, 29,322 shares were withheld by the company, also at $77.13 per share, to cover his tax obligations from this vesting. After these transactions, Howse directly held 146,752 shares of Synchrony Financial common stock.