SYF Synchrony Financial

company

SEC Filings & Insider Trading Activity 2026

Risk Factors

• • No new risk factors added this quarter compared to the 2024 10-K
• • Carried-forward credit risk from consumer loan defaults impacting receivables quality

Management Discussion & Analysis

• • Revenue flat YoY: Interest and fees on loans $5.51B Q3 2025 vs $5.52B Q3 2024; nine months $16.15B 2025 vs $16.12B 2024
• • Operating margin compress: Net interest margin 15.62% Q3 2025 vs 15.04% Q3 2024; efficiency ratio 32.6% Q3 2025 vs 31.2% Q3 2024

What are the latest SYF SEC filings in 2026?

Synchrony Financial (SYF) has filed a 10-K annual report on February 6, 2026, a 10-Q quarterly report on October 22, 2025, an 8-K current report on April 21, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did SYF file its most recent 10-K annual report?

Synchrony Financial (SYF) filed its most recent 10-K annual report on February 6, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view SYF 10-Q quarterly reports?

Synchrony Financial (SYF)'s most recent 10-Q quarterly report was filed on October 22, 2025. SignalX displays every SYF 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has SYF filed recently?

Synchrony Financial (SYF)'s most recent 8-K was filed on April 21, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find SYF insider trading activity (Form 4)?

SignalX aggregates every SYF Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does SYF file with the SEC?

Synchrony Financial (SYF) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new SYF filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs — such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Synchrony Financial (SYF).

What is SYF's SEC CIK number?

Synchrony Financial (SYF)'s SEC CIK (Central Index Key) number is 1601712. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1601712 to look up all SYF filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find SYF return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Synchrony Financial (SYF) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.