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 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 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.
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.
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.
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.
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.
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.