Synchrony Financial SYF
Latest 10-Q
What changed in Synchrony Financial's latest quarterly report, compared with the one before.
Loading…
Insider trades
Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.
Loading…
13F holders
Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.
Loading…
Trades by members of Congress
Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.
Loading…
Executive-branch trades
4 tradesTrades in Synchrony Financial reported by the President, Cabinet members and other senior executive-branch officials. Amounts are ranges.Form 278-T is the periodic transaction report that senior executive-branch officials file with the Office of Government Ethics. They must report each trade over $1,000 within 30 days of being notified of it, and no later than 45 days after the trade. Amounts are ranges, not exact figures.
| The form has no ticker column. The asset is shown as the filer wrote it. We add a ticker link only when we could match the asset to a listed company. | The form asks for a range, such as $1,001 - $15,000, not an exact amount. A line can be left blank when the filer's note says the amount was not more than $1,000. | Report | ||||
|---|---|---|---|---|---|---|
| Donald J Trump President of the United States | Synchrony Finl Com read from scan | Purchase | Apr 27, 2026 | $1,001 - $15,000 | Jun 25, 2026 | White House report ↗ |
| Donald J Trump President of the United States | Synchrony Finl Com Solicited Order Discretion Exercised read from scan | Sale | Mar 27, 2026 | $1,001 - $15,000 | May 8, 2026 | White House report ↗ |
| Donald J Trump President of the United States | SYNCHRONY FINL UNSOLICITED read from scan | Purchase | Mar 25, 2026 | $15,001 - $50,000 | May 8, 2026 | White House report ↗ |
| Donald J Trump President of the United States | SYNCHRONY FINL read from scan | Purchase | Mar 18, 2026 | $50,001 - $100,000 | May 8, 2026 | White House report ↗ |
Lobbying
What Synchrony Financial and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.
Loading…
Lobbying and contracts
$1.4M · — in 12 moWhat Synchrony Financial reported spending on lobbying next to the federal contracts it was awarded, by year.Lobbying: each report counts once. If a report was amended, only the newest version counts. Totals use the company's own report when it files one (it includes payments to hired firms); otherwise the hired firms' reported income. Registrations and reports with no amount are not counted. A firm that hands part of its work to another firm may report the same money as that other firm does; the filings do not allow us to tell. Contracts: each award is counted once, for the company that received it (or its listed parent when only the parent is matched), in the year of its first obligation. The amount is the total obligated to date, so a later increase is counted in the year the award began. Only awards of $1 million or more are collected. Agencies: the offices named on lobbying reports and the awarding agencies of contracts are matched to one department name (the Army, Navy and Air Force count as the Department of Defense; NIH, FDA and CMS as Health and Human Services). An agency is listed under both when the company lobbied it and was awarded a contract by it in the same period. Offices outside this list, and Congress, are not counted as agencies.
Lobbying Federal contractsBoth bars use one dollar scale.
| Gifts by the company's PAC to candidates for Congress. They come from donations to the PAC, not from the company's own funds. | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 2026 (year to date) | $1.2M | 9 | Taxation, Banking, Financial institutions and securities | Consumer Financial Protection Bureau, Treasury, Federal Reserve System | — | — | — | $137.0K | — |
| 2025 | $1.1M | 12 | Taxation, Banking, Financial institutions and securities | Treasury, Executive Office of the President, Consumer Financial Protection Bureau + 1 more | — | — | — | $176.5K | — |
| 2024 | $170.0K | 3 | Taxation, Banking, Financial institutions and securities | — | — | — | — | $96.0K | — |
| 2023 | — | — | — | — | — | — | — | $151.5K | — |
Agencies both lobbied and awarding contracts
No agency appears on both sides in the last 12 months.
Lobbying and contract awards are reported separately; showing them together does not mean one caused the other.
Capitol Hires at Synchrony Financial
4 hiresLobbyists for Synchrony Financial who say they once worked in Congress or the executive branch.
| The covered position the lobbyist says they held: an office of a member of Congress, a committee or an executive-branch body, as written in the filing. The member's name is a link only when exactly one member of Congress fits the name, chamber, first name and years given; otherwise it stays as written. | The lobbying report (LDA form LD-2) that names this lobbyist and office, with a link to it. Report period is the quarter the report covers; Posted is the day it was filed or amended, which can be much later. The same lobbyist is named again on each quarterly report for the same client, so a row is shown once, from the newest report, with the number of filings that name them. | |||
|---|---|---|---|---|
| Robert Erdel | Blaine Luetkemeyer Member office · Republican-MO | Leg. Assistant, Sr. Policy Advisor | Synchrony Financial | Report period 2026 Q2 ↗ Posted Jul 20, 2026 |
| Robert Erdel | House Financial Services Committee Committee | Designee | Synchrony Financial | Report period 2026 Q2 ↗ Posted Jul 20, 2026 |
| Robert Erdel | Deb Fischer Member office · Republican-NE | Leg. Assistant | Synchrony Financial | Report period 2026 Q2 ↗ Posted Jul 20, 2026 |
| Robert Erdel | Roy Blunt Member office · Republican-MO | Staff Assistant, Field Rep, Leg. Correspondent | Synchrony Financial | Report period 2026 Q2 ↗ Posted Jul 20, 2026 |
Each row reflects what was disclosed at the time of filing. A lobbyist listed may no longer be registered.
Bank financials at Synchrony Financial
Q2 2026Deposits, loans past due, charge-offs and capital of the banks Synchrony Financial owns, from FDIC call reports
US bank subsidiaries Q2 2026: $115B in assets, $86.0B in deposits (11.9% uninsured), commercial real estate 0.0% of loans, common equity Tier 1 ratio 14.3%. 1 bank: SYNCHRONY BANK.
Last 8 quarters
| Quarter | AssetsTotal assets of the company's US bank subsidiaries at the end of the quarter. | DepositsDomestic and foreign deposits of the banks at the end of the quarter. | UninsuredThe FDIC's estimate of deposits above the insurance limit, as a share of insured plus uninsured deposits in domestic offices. | CRE % loansConstruction, multifamily and nonfarm nonresidential real estate loans (owner-occupied included) as a share of total loans. | Past dueLoans 30 or more days past due and still accruing, as a percent of total loans. Nonaccrual loans are shown separately. | NonaccrualLoans the bank no longer accrues interest on, as a percent of total loans. | Charge-offsThe quarter's net charge-offs times four, over period-end loans. | CET1The banks' common equity Tier 1 capital ratio, averaged by assets. Lowest first. |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115B | $86.0B | 11.92% | 0.01% | 4.20% | 0.03% | 5.42% | 14.35% |
| Q1 2026 | $115B | $85.8B | 11.71% | 0.02% | 4.57% | 0.05% | 5.45% | 14.22% |
| Q4 2025 | $112B | $83.4B | 10.86% | 0.02% | 4.54% | 0.03% | 5.35% | 13.70% |
| Q3 2025 | $111B | $82.6B | 11.18% | 0.02% | 4.43% | 0.03% | 5.25% | 14.33% |
| Q2 2025 | $114B | $84.8B | 10.57% | 0.03% | 4.23% | 0.03% | 5.74% | 14.29% |
| Q1 2025 | $115B | $86.1B | 10.51% | 0.04% | 4.57% | 0.03% | 6.47% | 14.01% |
| Q4 2024 | $112B | $83.9B | 9.51% | 0.04% | 4.76% | 0.04% | 6.45% | 13.74% |
| Q3 2024 | $112B | $84.1B | 9.24% | 0.06% | 4.83% | 0.04% | 6.18% | 13.75% |
By loan type, Q2 2026
| Loan type | Loans | Past dueLoans 30 or more days past due and still accruing, as a percent of that loan type. | Nonaccrual | Charge-offsThe quarter's net charge-offs times four, as a percent of that loan type. |
|---|---|---|---|---|
| Commercial real estate | $6M | 0.00% | 0.00% | 0.00% |
| Commercial and industrial | $2.6B | 5.20% | 0.00% | 4.93% |
| Credit cards | $90.8B | 4.28% | 0.00% | 5.32% |
| Other consumer | $5.2B | 2.29% | 0.55% | 7.41% |
Against Q2 2025: uninsured share +1.35 pp; commercial real estate share of loans -0.02 pp; past due, all loans -0.03 pp; past due, credit cards -0.10 pp; card charge-offs -0.43 pp.
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. Figures are for the company's US bank subsidiaries as filed with the FDIC (a bank's call report covers the bank only). They are not the consolidated holding company, which can include large non-bank businesses.
Credit card metrics at Synchrony Financial
Oct 2026Monthly charge-offs and late payments on credit card loans, from Synchrony Financial's own reports and the card trusts it sponsors, filed with the SEC
Issuer-wide figures and securitized card pools are different sets of loans, so they are shown apart and are not added together.
Synchrony Issuer-wide
Oct 2026: net charge-offs 4.4% (-0.6 pp against a year earlier), 30+ days late 4.4%(-0.1 pp), loans $104B. Synchrony's whole loan receivables portfolio (private-label and co-brand cards, CareCredit and others).
| Month | Net charge-offs | 30+ days late | Loans |
|---|---|---|---|
| Oct 2026 | 4.4% | 4.4% | $104B |
| Sep 2026 | 4.7% | 4.3% | $103B |
| Aug 2026 | 4.9% | 4.2% | $103B |
| Jul 2026 | 4.7% | 4.2% | $103B |
| Jun 2026 | 5.3% | 4.2% | $102B |
| May 2026 | 5.5% | 4.2% | $102B |
| Apr 2026 | 5.5% | 4.3% | $101B |
| Mar 2026 | 5.8% | 4.5% | $100B |
| Feb 2026 | 5.8% | 4.7% | $99.9B |
| Jan 2026 | 4.7% | 4.6% | $102B |
| Dec 2025 | 5.5% | 4.5% | $104B |
| Nov 2025 | 5.6% | 4.5% | $102B |
| Oct 2025 | 5.0% | 4.5% | $100B |
Adjusted net charge-off rate (non-GAAP; recoveries spread evenly over the quarter): 4.6%.
Synchrony Card Issuance Trust Securitized card pool
Sep 2026: net charge-offs 3.86% (-0.3 pp against a year earlier), 30+ days late 2.88%(0.0 pp), loans $10.7B. Securitized card pool: Synchrony Card Issuance Trust.
| Month | Net charge-offs | 30+ days late | Loans | Yield | Excess spread | Payment rate |
|---|---|---|---|---|---|---|
| Sep 2026 | 3.86% | 2.88% | $10.7B | 22.04% | 16.67% | 24.46% |
| Aug 2026 | 4.19% | 2.74% | $10.9B | 22.59% | 16.92% | 24.99% |
| Jul 2026 | 4.11% | 2.72% | $10.9B | 21.76% | 16.57% | 25.29% |
| Jun 2026 | 4.09% | 2.68% | $11.0B | 21.28% | 15.86% | 25.06% |
| May 2026 | 4.17% | 2.68% | $11.0B | 22.94% | 17.49% | 25.28% |
| Apr 2026 | 4.43% | 2.73% | $10.9B | 23.04% | 17.41% | 25.20% |
| Mar 2026 | 4.81% | 2.93% | $10.5B | 23.36% | 17.58% | 24.55% |
| Feb 2026 | 4.26% | 3.05% | $10.4B | 23.04% | 17.36% | 22.55% |
| Jan 2026 | 3.70% | 2.97% | $10.7B | 22.28% | 16.60% | 24.29% |
| Dec 2025 | 4.45% | 2.75% | $11.3B | 22.77% | 17.10% | 25.26% |
| Nov 2025 | 4.29% | 3.05% | $10.0B | 23.72% | 17.78% | 22.76% |
| Oct 2025 | 4.35% | 3.03% | $9.8B | 24.42% | 18.64% | 23.13% |
| Sep 2025 | 4.21% | 2.93% | $9.8B | 22.37% | 16.59% | 23.05% |
Synchrony Card Issuance Trust. Portfolio yield and excess spread are the SynchronySeries figures; the net charge-off rate is the trust's annualized default amount less recoveries over opening principal receivables; the payment rate is principal collections over opening principal receivables. The delinquency rate adds the 30-59 through 180+ day buckets (the issuer also shows 1-29 days, which is not counted).
- Synchrony Card Issuance Trust, Dec 2019: The December 2019 report shows an increase of 1.94 billion in principal receivables from additional accounts, which lifted the trust's receivables from 5.5 billion to 7.6 billion.
Source: the issuers' and trusts' filings with the SEC (Forms 8-K and 10-D), newest month Oct 2026. US public records (SEC EDGAR), public domain. Percentages are as each issuer reports them. Definitions differ between issuers and between a trust and its issuer. Not investment advice.
Consumer complaints at Synchrony Financial
Jul–Sep 2026Complaints to the CFPB about Synchrony Financial: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 3,831 complaints, +8.8% against Jul–Sep 2025 (3,521). 97% were answered in time; 13% of the 3,402 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Credit card | 2,513 | 66% | 1,745 | +44.0% | 97% | 14% |
| Credit reporting or other personal consumer reports | 683 | 18% | 1,021 | -33.1% | 97% | 13% |
| Debt collection | 471 | 12% | 594 | -20.7% | 98% | 6% |
| Checking or savings account | 72 | 2% | 71 | +1.4% | 97% | 11% |
| Payday loan, title loan, personal loan, or advance loan | 51 | 1% | 50 | +2.0% | 96% | 12% |
| Money transfer, virtual currency, or money service | 25 | 1% | 21 | — | 96% | 13% |
| Debt or credit management | 8 | 0% | 13 | — | 100% | 25% |
| Vehicle loan or lease | 5 | 0% | 2 | — | 100% | 40% |
| Prepaid card | 3 | 0% | 2 | — | 100% | 0% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Problem with a purchase shown on your statement Credit card | 724 | 375 |
| Fees or interest Credit card | 552 | 358 |
| Incorrect information on your report Credit reporting or other personal consumer reports | 391 | 448 |
| Closing your account Credit card | 231 | 225 |
| Other features, terms, or problems Credit card | 226 | 155 |
| Attempts to collect debt not owed Debt collection | 194 | 176 |
| Getting a credit card Credit card | 183 | 185 |
| Problem when making payments Credit card | 182 | 136 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Lender stress at Synchrony Financial
Card, bank and complaint records for this lender, side by side
Synchrony Financial has bank card and auto delinquencies (FDIC), monthly card charge-offs (SEC), complaints (CFPB). The page shows them next to each other; each keeps its own source and date.
Synchrony Financial on Lender stress · All lenders
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Institutional ownership over time
How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.
Loading…
More filings and data
Each opens the table.
About the company
The basics from the company’s SEC registration.
Loading…
Adjusted for stock splits; not for dividends. Where prices come from.
Live chart
Intraday and historical prices from TradingView. Quotes may be delayed.
Information, not investment advice. Company matching is automatic; check the source before relying on one row.