Company facts
- Industry
- Finance Services
- Headquarters
- Stamford, Connecticut
- Most recent report
- 10-Q, filed Oct 22, 2026
- Incorporated
- New York
- Filings on record
- 1,003+ filings
- On EDGAR
- CIK 1601712
- Fiscal year ends
- December
- Filer status
- Large accelerated filer
Financials 8 of 19
News 8 of 105
- 8-K Current report on a material event Oct 20, 2026
- 8-K Quarterly results Oct 20, 2026
- 8-K Current report on a material event Sep 14, 2026
- 8-K Quarterly results Aug 17, 2026
- 8-K Other events Jul 31, 2026
- 8-K Current report on a material event Jul 21, 2026
- 8-K Quarterly results Jul 21, 2026
- 8-K Leadership change Jun 29, 2026
Prospectuses and Registrations 8 of 31
- 424B5 Prospectus supplement for an offering Jul 29, 2026
- FWP Free writing prospectus Jul 28, 2026
- 424B5 Prospectus supplement for an offering Jul 28, 2026
- 424B5 Prospectus supplement for an offering Jun 3, 2026
- FWP Free writing prospectus Jun 2, 2026
- 424B5 Prospectus supplement for an offering Jun 2, 2026
- 424B5 Prospectus supplement for an offering Feb 19, 2026
- FWP Free writing prospectus Feb 18, 2026
Proxies 8 of 11
- DEFA14A Extra proxy material Apr 29, 2026
- DEF 14A Proxy statement for a shareholder vote Apr 29, 2026
- DEFA14A Extra proxy material Apr 25, 2025
- DEF 14A Proxy statement for a shareholder vote Apr 25, 2025
- DEFA14A Extra proxy material Jun 3, 2024
- DEFA14A Extra proxy material Apr 25, 2024
- DEF 14A Proxy statement for a shareholder vote Apr 25, 2024
- PRE 14A Preliminary proxy statement Apr 12, 2024
Ownership 8 of 831
- 4 Insider reported a trade Oct 2, 2026
- 4 Insider reported a trade Oct 2, 2026
- 4 Insider reported a trade Oct 2, 2026
- 4 Insider reported a trade Oct 2, 2026
- 4 Insider reported a trade Oct 2, 2026
- 4 Insider reported a trade Oct 2, 2026
- 4 Insider reported a trade Oct 2, 2026
- 4 Insider reported a trade Oct 2, 2026
Other 6
- ARS Annual report sent to shareholders Apr 29, 2026
- ARS Annual report sent to shareholders Apr 25, 2025
- ARS Annual report sent to shareholders Apr 25, 2024
- CERT Exchange certified a listing Feb 23, 2024
- 8-A12B Registration of a security for exchange listing Feb 23, 2024
- ARS Annual report sent to shareholders Apr 4, 2023
What to read: Sep 2026 10-Q
SECSift found 2 of 13 sections worth reading, with 1 positive, 8 notable, and 2 negative flags.
Management's Discussion (Item 2)
Full MD&A with earnings decline, credit trends, capital actions, and segment detail.Notable- Issued $500M of 7.25% preferred stock Series C in June 2026; quarterly dividend raised to $0.34 per share.
- Repurchased $2.9B of stock in nine months; new $6.5B buyback program with $4.6B remaining at Sept 30, 2026.
- Acquired $0.7B of Lowe's commercial co-branded credit card portfolio in April 2026.
- Reserve build of $30M in Q3 2026 vs release of $152M in Q3 2025; provision up 10.5%.
- Diversified & Value purchase volume up 12.8% in Q3 2026; other income fell $55M due to higher loyalty costs.
- Liquidity portfolio grew to $19.5B from $16.6B at Dec 2025; $13.0B available at Fed discount window.
- Common equity Tier 1 capital ratio fell to 12.9% from 13.5% at Dec 2025 due to buybacks and dividends.
Financial Statements (Item 1)
Financial statements and notes with key balance-sheet and credit-quality details.
What changed: Sep 2026 vs. Jun 2026
About 7% of SYF's Sep 2026 10-Q is new information. 26 paragraphs were added, 192 changed, and 25 removed. Below are the most important lines SECSift identified.
Changed
- Provision for credit losses rose to $1.27B from $1.15B for Q3 2026, and to $3.80B from $3.78B for nine months.
- Common stock repurchases totaled $2.85B for nine months ended September 30, 2026, up from $1.75B for six months ended June 30, 2026.
- Net charge-off rate fell to 4.79% from 5.16% for Q3 2026, and to 5.21% from 5.74% for nine months.
- Allowance coverage ratio dropped to 10.01% from 10.35% at September 30, 2025.
- July shares withheld for taxes were 25,099; prior quarter April had 65,486.
- Table number changed to 82 from 81.
Everything here comes from Synchrony Financial's own filings on SEC EDGAR. The filing list is rechecked every hour. SECSift analysis was completed on Oct 24, 2026, from the 10-Q for Sep 2026.