SYF at a glance
Synchrony Financial (SYF, SEC CIK 1601712) filed its latest 10-K annual report on February 6, 2026, a 10-Q quarterly report on July 23, 2026, an 8-K current report on September 14, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Synchrony Financial (SYF) reported revenue of $22.6 billion (down 0.2% from FY2024) and net income of $3.6 billion. Diluted EPS was $9.28.
- As of June 30, 2026, 43 institutional investment managers tracked by SignalX reported holding Synchrony Financial (SYF) shares worth $11.7 billion in 13F-HR filings.
- In the last 90 days, SYF insiders reported 0 open-market purchases ($0) and 4 open-market sales ($847K) on Form 4, a net sale of $847K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $22.6B
- −0.2% vs prior year
- Insiders · 90 days
- 0 buys · 4 sells
- Net −$847K
- 13F holders
- 43 funds
- $11.7B · +5 vs prior quarter
- Latest 8-K
- Sep 14, 2026
- Item 7.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue proxy net interest income $4.608B, up 1.9% YoY from $4.521B
- Net earnings $885M vs $967M; net interest margin 15.08% vs 14.78% YoY
- Best platform Diversified & Value purchase volume $17.200B vs $15.393B; worst Lifestyle $1.518B vs $1.432B
- Deposits $82.8B, up 2.0% from December 31; deposits 83% of funding sources
- Capital deployment $1.8B share repurchases and $204M dividends; headwinds included higher operational losses and technology investment costs
Risk Factors
- No material risk-factor changes from the 2025 Form 10-K
- Business risks carried forward under “Risk Factors Relating to Our Business”
- Regulatory risks carried forward under “Risk Factors Relating to Regulation”
AI summary of the SYF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Monthly charge-off and delinquency statistics through August 31, 2026, providing updated credit-performance data
- Monthly disclosures enable monitoring of Synchrony’s consumer-credit deterioration ahead of quarterly earnings
Item 7.01: Regulation FD Disclosure
- Exhibit 99.1 covers Synchrony’s monthly charge-off and delinquency statistics through July 31, 2026
- Credit-performance data provides investors an early read on consumer portfolio deterioration ahead of quarterly earnings
Item 8.01: Other Events
- Legal opinion from Sidley Austin LLP supports validity of the Notes
- Opinion incorporated into the Registration Statement and filed as Exhibit 5.1
AI summaries of SYF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for SYF
Don't miss the next SYF filing
- Alerts as it files. A push when SYF files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut SYF, by share count.
- Ask anything. An AI agent that reads every SYF filing and answers with sources.
SYF alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Zane Ellen M | A | Sep 30, 2026 | 846 | $70.97 |
| COVIELLO ARTHUR W JR | A | Sep 30, 2026 | 846 | $70.97 |
| Parker P.W. | A | Sep 30, 2026 | 846 | $70.97 |
| Richie Laurel | A | Sep 30, 2026 | 846 | $70.97 |
| ELLINGER DEBORAH G | A | Sep 30, 2026 | 846 | $70.97 |
| AGUIRRE FERNANDO | A | Sep 30, 2026 | 846 | $70.97 |
| Chytil Kamila K | A | Sep 30, 2026 | 846 | $70.97 |
| COLAO DANIEL O | A | Sep 30, 2026 | 846 | $70.97 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $20.7B | $22.6B | $22.6B | |
| Net Income | $2.2B | $3.5B | $3.6B | |
| Net Margin | 10.8% | 15.5% | 15.7% | |
| Balance Sheet | ||||
| Total Assets | $117.5B | $119.5B | $119.1B | |
| Equity | $13.9B | $16.6B | $16.8B | |
| ROE | 16.1% | 21.1% | 21.2% | |
| Per Share | ||||
| EPS | $5.19 | $8.55 | $9.28 | |
| Cash Flow | ||||
| Operating CF | $8.6B | $9.8B | $9.9B | |
Source: XBRL data in Synchrony Financial (SYF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate SYF share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 43 | $11.73B |
| Q1 2026 | 38 | $10.81B |
| Q4 2025 | 38 | $13.86B |
| Q3 2025 | 39 | $11.81B |
| Q2 2025 | 37 | $11.13B |
| Q1 2025 | 33 | $6.82B |
| Q4 2024 | 31 | $6.87B |
| Q3 2024 | 27 | $2.93B |
- Goldman Sachs Group+498.9K (+5%)
- BlackRock+414.4K (+1%)
- Dimensional Fund Advisors+215.1K (+4%)
- Two Sigma Investments+214.2K (+65%)
- Morgan Stanley+71.6K (+2%)
- Bank of America Corp−1.30M (-8%)
- AQR Capital Management−921.3K (-21%)
- Millennium Management−779.9K (-72%)
- Prudential Financial−630.0K (-57%)
- Vanguard Capital Management LLC−583.9K (-3%)
- Blackstone Group−4.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 286 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
SYF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 8-K | Sep 14, 2026 | - | Analysis | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
Related Financials companies
- AXP · American ExpressFinance Services
- BKKT · Bakkt, Inc.Finance Services
- BTBT · Bit Digital, IncFinance Services
- BLSH · BullishFinance Services
- BUR · Burford Capital LtdFinance Services
- CD · Chaince Digital Holdings Inc.Finance Services
- CHYM · Chime Financial IncFinance Services
- CIFR · Cipher Digital Inc.Finance Services
SYF SEC filings: frequently asked questions
Are SYF insiders buying or selling?
In the last 90 days, Synchrony Financial (SYF) officers, directors and 10% owners reported no open-market purchases and 4 open-market sales worth $847,288 by 4 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold SYF stock?
As of June 30, 2026, the largest Synchrony Financial (SYF) holders among the 13F filers tracked by SignalX were BlackRock ($2.3 billion), Vanguard Capital Management LLC ($1.7 billion), Vanguard Portfolio Management LLC ($1.4 billion), State Street Corp ($1.3 billion), Bank of America Corp ($1.1 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was SYF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Synchrony Financial (SYF) reported revenue of $22.6 billion (down 0.2% from FY2024) and net income of $3.6 billion. Diluted EPS was $9.28. The figures come from the XBRL data in the 10-K.
What did SYF report in its latest 8-K?
Synchrony Financial (SYF) filed an 8-K on September 14, 2026 reporting Item 7.01 (Regulation FD Disclosure). Monthly charge-off and delinquency statistics through August 31, 2026, providing updated credit-performance data.
What are the latest SYF SEC filings?
Synchrony Financial (SYF) filed its latest 10-K annual report on February 6, 2026, a 10-Q quarterly report on July 23, 2026, an 8-K current report on September 14, 2026 and a Form 4 insider filing on October 2, 2026.
What is SYF's SEC CIK number?
Synchrony Financial (SYF)'s SEC Central Index Key (CIK) is 1601712. EDGAR lists every SYF filing under that number.
Ask anything about SYF
The research agent reads SYF's filings, financials, insider trades and 13F holders, then answers with sources.