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.
SYF submitted a Form 144 notice reporting proposed sales of Common Stock by a selling holder. The filing lists 52,556 shares sold on 02/02/2026 for $3,800,849.92 and 7,882 shares sold on 03/02/2026 for $533,690.22. The notice also lists 8,436 shares tied to Restricted Stock Vesting dated 03/01/2025.
Synchrony Financial ownership filing: Vanguard Capital Management reports beneficial ownership of 26,175,892 shares, representing 7.53% of common stock as of 03/31/2026. The filing states dispositive power is exercised by Vanguard Capital Management and lists affiliated investment divisions.
Synchrony Financial is asking stockholders to vote at its virtual 2026 Annual Meeting on June 24, 2026 to elect 12 directors, ratify KPMG as auditor, and approve an advisory vote on executive pay. Stockholders of record at the close of business on April 27, 2026 may vote by mail, phone, internet, or at the virtual meeting.
The proxy highlights 2025 performance, including $3.6B in net earnings, a 3.0% return on assets, $103.8B of loan receivables, $3.3B of capital returned to stockholders, a 34.3% efficiency ratio, more than 75 new or renewed partnerships, 68 million average active accounts and $182.3B of purchase volume. It also outlines a governance framework with 11 of 12 directors independent, an independent chair, specialized risk and technology committees, detailed risk oversight, cybersecurity reporting, and extensive human capital initiatives such as leadership programs and broad-based compliance and information security training.
Synchrony Financial reports a 13G filing showing Vanguard Portfolio Management beneficially owns 5.36% of common stock, totaling 18,659,199 shares as reported.
The filing states Vanguard Portfolio Management has sole dispositive power over 18,659,199 shares and sole voting power over 154,482 shares. The disclosure attributes holdings to Vanguard Portfolio Management LLC and specified affiliates and was signed on 04/29/2026.
Synchrony Financial reports Q1 2026 results with net earnings of $805 million, up from $757 million a year earlier, and diluted EPS of $2.27. Net interest income rose to $4.64 billion as higher loan yields and lower funding costs offset softer liquidity income.
Provision for credit losses fell to $1.34 billion and the net charge-off rate improved to 5.42% from 6.38%, while the allowance coverage ratio was 10.42% on $100.1 billion of loan receivables. Purchase volume grew $42.98 billion from $40.72 billion, with broad strength across Digital and Diversified & Value partners.
Deposits reached $82.9 billion, representing 83% of total funding, and liquid assets were $22.8 billion. Common equity Tier 1 capital stood at 12.7% and return on equity at 19.5%. The company repurchased $900 million of stock in the quarter, secured a new $6.5 billion repurchase authorization with no expiration, and plans to raise its quarterly dividend to $0.34 per share starting in Q3 2026.
Synchrony Financial furnished updated credit quality metrics, providing monthly charge-off and delinquency statistics for the thirteen months ended March 31, 2026 in Exhibit 99.1.
At March 31, 2026, period-end loan receivables were $100.1 billion, with a 30+ delinquency rate of 4.5% and a net charge-off rate of 5.8%. Loan receivables held for sale were zero and average loan receivables, including held for sale, were $99.3 billion for March 2026.
The company also presents an adjusted net charge-off rate, which matches 5.8% for March 2026, using a recovery adjustment that allocates recoveries, including debt sales, evenly across each quarter. Additional disclosure explains how variations in monthly charge-offs can reflect the timing and number of charge-off cycle dates rather than changes in portfolio performance.
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.