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.
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.
Synchrony Financial executive Jonathan S. Mothner reported two equity transactions involving company common stock. On March 1, 2026, 12,936 shares were automatically withheld at $69.11 per share to cover his tax liability upon the vesting of restricted stock units, and no investment decision was made by him in connection with this tax-withholding disposition.
On the same date, he received a grant of 24,093 restricted stock units at $69.11 per share, which will vest in three equal annual installments of 33.33% each, beginning on the first anniversary of the grant date. Following these transactions, his directly held common stock increased to 172,447 shares.
Synchrony Financial officer Darrell Owens reported multiple stock transactions involving company common shares. He received a grant of 8,140 restricted stock units at $69.11 per share, which will vest in three equal annual installments, each unit representing one future share.
To cover taxes on vesting, 3,076 shares were withheld by the company. Owens then sold 3,865 shares of common stock in an open-market transaction at $67.71 per share under a Rule 10b5-1 trading plan adopted on October 17, 2025. After these moves, he directly owned 17,432 shares.