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 filed a Form 4 reporting a routine equity-related transaction by an officer who serves as SVP, Chief Accounting Officer and Controller. On 11/17/2025, the officer received 61 dividend equivalent units at a value of $70.47 per unit, credited as dividends on common shares underlying restricted stock units. After this transaction, the officer beneficially owned 17,935 non-derivative securities directly. The dividend equivalent units vest and settle on the same schedule and terms as the related restricted stock units, and each unit is the economic equivalent of one share of Synchrony Financial common stock.
Synchrony Financial (SYF) reported a Form 4 filing showing a director acquired additional equity-linked units through routine compensation. On November 17, 2025, the director received 15 dividend equivalent units tied to previously granted restricted stock units, at a reference price of $70.47 per unit. These dividend equivalent units vest and settle on the same schedule and terms as the related restricted stock units, and each unit is the economic equivalent of one share of Synchrony Financial common stock. Following this transaction, the director beneficially owns 32,115 common shares on a direct basis.
Synchrony Financial (SYF) executive reports dividend-related equity awards. On 11/17/2025, an officer serving as EVP, CEO–Health & Wellness reported receiving 213 dividend equivalent units at a reference price of $70.47 per unit, tied to restricted stock units in Synchrony common stock. Following this, the officer beneficially owned 57,130 shares of common stock directly.
The filing also shows acquisition of 0.78 phantom stock units under the Synchrony Financial Deferred Compensation Plan, increasing total phantom stock units beneficially owned to 184.13. Both the dividend equivalent units and phantom stock units are described as economically equivalent to shares of Synchrony common stock, with the phantom units to be settled in cash six months after the officer’s separation from service, in line with plan terms.
Synchrony Financial director reports small increase in equity holdings. A company director of Synchrony Financial (SYF) filed a Form 4 detailing an automatic accrual of dividend equivalent units on November 17, 2025. The filing shows the acquisition of 15 dividend equivalent units at a reference price of $70.47 per unit, linked to previously granted restricted stock units. After this transaction, the reporting person beneficially owns 15,558 SYF shares or equivalents in direct ownership. These dividend equivalent units are economically equal to shares of common stock and will vest and settle on the same schedule and terms as the related restricted stock units.
Synchrony Financial director reported a routine equity-related transaction involving dividend equivalent units tied to restricted stock units. On November 17, 2025, the reporting person accrued 15 dividend equivalent units based on dividends paid on the common shares underlying existing restricted stock units at a referenced value of $70.47 per unit. Each unit is the economic equivalent of one share of Synchrony Financial common stock and will vest, settle, and expire on the same terms as the related restricted stock units.
Following this accrual, the reporting person beneficially owned 27,902 shares of Synchrony Financial common stock directly and 15,300 shares indirectly through family trusts. This reflects ongoing alignment of the director’s interests with shareholders through equity-based compensation rather than a discretionary open-market trade.
Synchrony Financial director Form 4 shows a small equity accrual. A company director reported acquiring 15 dividend equivalent units on 11/17/2025 at a price of $70.47 per unit. These units were credited as dividends on common shares underlying existing restricted stock units.
Following this transaction, the reporting person beneficially owns 29,869 Synchrony Financial common shares on a direct basis. Each dividend equivalent unit is the economic equivalent of one common share and will vest and settle on the same schedule and terms as the related restricted stock units.
Synchrony Financial (SYF) reported an insider equity accrual, as an executive officer acquired 213 dividend equivalent units on 11/17/2025 tied to existing restricted stock units. These units reflect dividends paid on the common shares underlying those awards and are economically equivalent to one share of Synchrony common stock each.
After this transaction, the reporting executive directly beneficially owned 108,484 common shares. The dividend equivalent units will vest and settle on the same schedule and terms as the related restricted stock units. The officer’s title is listed as EVP, CEO--Home & Auto.
Synchrony Financial (SYF) reported a routine insider update for one of its directors. On 11/17/2025, the director acquired 130 dividend equivalent units at $70.47 each. These units were accrued as dividends on the common shares underlying previously granted restricted stock units and deferred stock units under the company’s Long-Term Incentive Plans and Non-Employee Director Deferred Compensation Plan. After this transaction, the director beneficially owned 49,095 Synchrony Financial common shares in total.
Synchrony Financial (SYF) reported a small change in insider holdings for an executive. On November 17, 2025, an officer received 249 dividend equivalent units tied to previously granted restricted stock units. These units were valued at $70.47 each and are designed to mirror dividends paid on the underlying common shares.
After this transaction, the officer beneficially owns 58,530 Synchrony Financial common shares directly. The dividend equivalent units vest and settle on the same schedule and terms as the related restricted stock units and are economically equal to one share of common stock each. The reporting person serves as EVP, Chief Technology and Operating Officer of Synchrony Financial.
A director of Synchrony Financial (SYF) reported the automatic accrual of 15 dividend equivalent units on November 17, 2025. These units were credited as dividends paid on the common shares underlying the director’s restricted stock units. Each dividend equivalent unit is described as the economic equivalent of one share of Synchrony Financial common stock and will vest and settle on the same terms and schedule as the related restricted stock units.
Following this transaction, the director beneficially owns 3,312 Synchrony Financial common shares in direct form. The filing is a routine Form 4 disclosure of equity-based compensation rather than an open-market purchase or sale.