Synchrony Financial (SYF-PB) — SEC Filings
Synchrony Financial (SYF-PB) — 50 SEC filings. Latest: 8-K (Dec 9, 2025). Includes 37 8-K, 6 10-Q, 3 SC 13G/A.
View Synchrony Financial on SEC EDGAR
Overview
Synchrony Financial (SYF-PB) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Nov 12, 2025: Synchrony Financial filed an 8-K on November 12, 2025, reporting on its corporate structure and financial statements. The filing details its incorporation in Delaware and provides its principal executive offices located at 777 Long Ridge Road, Stamford, Connecticut. It also lists its IRS Employer Id
Sentiment Summary
Across 50 filings, the sentiment breakdown is: 1 bullish, 47 neutral, 2 mixed. The dominant filing sentiment for Synchrony Financial is neutral.
Filing Type Overview
Synchrony Financial (SYF-PB) has filed 37 8-K, 6 10-Q, 1 DEF 14A, 2 10-K, 1 DEFA14A, 3 SC 13G/A with the SEC between Jan 2024 to Dec 2025.
Filings by Year
Recent SEC Filings (50)
Risk Profile
Risk Assessment: Of SYF-PB's 44 recent filings, 0 were flagged as high-risk, 7 as medium-risk, and 37 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | N/A |
| Net Income | N/A |
| EPS | N/A |
| Debt-to-Equity | N/A |
| Cash Position | N/A |
| Operating Margin | N/A |
| Total Assets | N/A |
| Total Debt | N/A |
Key Executives
- Margaret M. Keane
Industry Context
Synchrony Financial operates in the highly competitive consumer financial services industry, focusing on digitally-enabled credit products. The company partners with a diverse range of retailers and service providers across various sectors. Key industry trends include the increasing demand for digital payment solutions and evolving regulatory scrutiny on consumer lending practices.
Top Tags
financial-statements (9) · sec-filing (8) · financial-reporting (7) · 8-K (7) · filing (7) · corporate-filing (5) · executive-compensation (5) · disclosure (5) · results-of-operations (4) · financials (4)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Purchase Volume | $46.0B | for the three months ended September 30, 2025, indicating strong consumer spending. |
| Average Active Accounts | 68.3M | for the three months ended September 30, 2025, reflecting a large customer base. |
| Loan Receivables | $100.2B | as of September 30, 2025, demonstrating significant asset growth. |
| Deposits | $79.9B | as of September 30, 2025, representing 85% of total funding sources. |
| Funding from Deposits | 85% | as of September 30, 2025, highlighting a stable and low-cost funding strategy. |
| Credit Cards | 92.4% | percentage of total loan receivables at September 30, 2025, showing product concentration. |
| Proposed Late Fee Safe Harbor | $8 | CFPB's proposed new safe harbor amount, down from $41, posing a potential revenue risk. |
| Common Stock Shares Outstanding | 360,171,098 | as of October 17, 2025. |
| Ally Lending Acquisition | March 2024 | date of acquisition, expanding presence in home improvement. |
| Fiscal Year End | 1231 | Indicates the end of the company's annual reporting period. |
| SEC File Number | 001-36560 | Synchrony Financial's SEC filing identifier. |
| EIN | 51-0483352 | Employer Identification Number for Synchrony Financial. |
| Net Income Q2 2025 | $750M | Increased 5% from Q2 2024 |
| Revenue Q2 2025 | $4.2B | Up 7% from Q2 2024 |
| Net Charge-Offs Q2 2025 | 4.5% | Increased from 4.0% in Q2 2024 |
Forward-Looking Statements
- {"claim":"Capital World Investors will maintain a significant stake in Synchrony Financial for the foreseeable future.","entity":"Capital World Investors","targetDate":"December 29, 2024","confidence":"high"}
- {"claim":"Synchrony Financial will continue to focus on its core finance services, potentially expanding its loan portfolio.","entity":"Synchrony Financial","targetDate":"2024-12-31","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for Synchrony Financial (SYF-PB)?
Synchrony Financial has 50 recent SEC filings from Jan 2024 to Dec 2025, including 37 8-K, 6 10-Q, 3 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of SYF-PB filings?
Across 50 filings, the sentiment breakdown is: 1 bullish, 47 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Synchrony Financial SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Synchrony Financial (SYF-PB) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Synchrony Financial?
Key financial highlights from Synchrony Financial's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for SYF-PB?
The investment thesis for SYF-PB includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Synchrony Financial?
Key executives identified across Synchrony Financial's filings include Margaret M. Keane.
What are the main risk factors for Synchrony Financial stock?
Of SYF-PB's 44 assessed filings, 0 were flagged high-risk, 7 medium-risk, and 37 low-risk.
What are recent predictions and forward guidance from Synchrony Financial?
Recent forward-looking statements from Synchrony Financial include guidance on {"claim":"Capital World Investors will maintain a significant stake in Synchrony Financial for the foreseeable future.", and 1 other predictions.