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SYF on NYSE

Synchrony Financial

Logo: Synchrony Financial, Public domain, via Wikimedia Commons5

American financial services company

Synchrony Financial is an American consumer financial services company with its headquarters in Stamford, Connecticut. The company offers consumer financing products including credit, promotional financing, loyalty programs, and installment lending to both industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary. Synchrony owns CareCredit, a credit card for medical and veterinary expenses.3 It employed about 15,000 people in 2016.1 Its revenue was $15.6 billion in 2022.1 Its shares trade on NYSE under the symbol SYF.1 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

Sep 12, 2003Founded1

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  • TickerSYF on NYSE1
  • Industryfinancial services1
  • HeadquartersStamford1
  • Websitewww.synchronybank.com
  • Legal formDelaware corporation1
  • Incorporated inNY6
  • Business address777 Long Ridge Road, Stamford, Ct 06902-12506
  • Filer categoryLarge accelerated filer6
  • LEI549300RS7EWPM9MA6C784
  • StatusActive4
  • LEI statusIssued and current4
  • Registered addressC/O THE CORPORATION TRUST COMPANY, 19801 Wilmington, United States4
  • Registered withDivision of Corporations, Department of State, 37032044

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Synchrony Financial is an American consumer financial services company with its headquarters in Stamford, Connecticut. The company offers consumer financing products including credit, promotional financing, loyalty programs, and installment lending to both industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income910111213$3.6B in 2025−5% since 2019
0$2.0B$4.0B$6.0B2019: $3.7B$3.7B20192020: $1.4B$1.4B2020−63%2021: $4.2B$4.2B2021+205%2022: $3.0B$3.0B2022−29%2023: $2.2B$2.2B2023−26%2024: $3.5B$3.5B2024+56%2025: $3.6B$3.6B2025+2%

Every line of the income statement as filed: the last 3 fiscal years, latest first.13

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans (Note 5)$21.7B$21.6B$19.9B
Interest on cash and debt securities$903.0M$1.0B$808.0M
Total interest income$22.6B$22.6B$20.7B
Interest on deposits$3.3B$3.8B$3.0B
Interest on senior and subordinated unsecured notes$388.0M$401.0M$419.0M
Total interest expense$4.1B$4.6B$3.7B
Net interest income$18.5B$18.0B$17.0B
Retailer share arrangements-$4.0B-$3.4B-$3.7B
Provision for credit losses (Note 5)$5.2B$6.7B$6.0B
Net interest income, after retailer share arrangements and provision for credit losses$9.2B$7.9B$7.4B
Interchange revenue$1.1B$1.0B$1.0B
Protection product revenue$596.0M$562.0M$510.0M
Loyalty programs-$1.4B-$1.4B-$1.4B
Other$295.0M$1.3B$118.0M
Total other income$520.0M$1.5B$289.0M
Employee costs$2.1B$1.9B$1.9B
Professional fees$936.0M$936.0M$842.0M
Marketing and business development$511.0M$524.0M$527.0M
Information processing$899.0M$803.0M$712.0M
Other$696.0M$704.0M$793.0M
Total other expense$5.1B$4.8B$4.8B
Earnings before provision for income taxes$4.6B$4.6B$2.9B
Provision for income taxes (Note 15)$1.1B$1.1B$666.0M
Net earnings$3.6B$3.5B$2.2B
Net earnings available to common stockholders$3.5B$3.4B$2.2B
Basic (in usd per share)$9.38$8.64$5.21
Diluted (in usd per share)$9.28$8.55$5.19

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Corporate structure

Synchrony Financial sits at the top of its group. 21 entities, 4 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Synchrony Financial

  • Synchrony Financial Stamford, Connecticut, United States
    • CareCredit LLC Subsidiary · California, United States
    • Retail Finance Credit Services, LLC Subsidiary · Delaware, United States
    • RETAIL FINANCE INTERNATIONAL HOLDINGS, INC. Subsidiary · Draper, Utah, United States
    • Retail Finance Servicing, LLC Subsidiary · Delaware, United States
    • RFS Holding, Inc. Subsidiary · Delaware, United States
    • Sherman Clay & Co., LLC Subsidiary · Delaware, United States
    • Synchrony Bank Subsidiary · Draper, Utah, United States
    • Synchrony Card Funding, LLC Subsidiary · Delaware, United States
    • Synchrony Card Issuance Trust Subsidiary · Delaware, United States
    • Synchrony Cascade, LLC Subsidiary · Delaware, United States
    • Synchrony Credit Card Master Note Trust Subsidiary · Delaware, United States
    • Synchrony Financial Canada Subsidiary · Ontario, Canada
    • Synchrony Global Services Philippines, Inc. Subsidiary · Philippines
    • Synchrony Holding Company Subsidiary · Nova Scotia, Canada
    • Synchrony International Resource Management, LLC Subsidiary · Delaware, United States
    • SYNCHRONY INTERNATIONAL SERVICES PRIVATE LIMITED Subsidiary · Hyderabad, India
    • Synchrony Lending, Inc. Subsidiary · Delaware, United States
    • Synchrony Sales Finance Holding, LLC Subsidiary · Delaware, United States
    • Synchrony Sales Finance Master Trust Subsidiary · Delaware, United States
    • Versatile Credit, Inc. Subsidiary · Pennsylvania, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Synchrony Financial reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$15.0B13 Dec 31, 2025$14.7B13 Dec 31, 2024+1.8%
Debt securities available for sale$2.3B13 Dec 31, 2025$3.1B13 Dec 31, 2024−23.7%
Stakes in other companies (equity method)$834.0M13 Dec 31, 2025$816.0M13 Dec 31, 2024+2.2%
Deposits held (banks)$81.1B13 Dec 31, 2025$82.1B13 Dec 31, 2024−1.1%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$1.4B13 Dec 31, 2025$1.3B13 Dec 31, 2024+7.0%
Finite-lived intangibles, gross$3.3B13 Dec 31, 2025$2.6B13 Dec 31, 2024+29.9%
Accumulated amortization$2.1B13 Dec 31, 2025$1.7B13 Dec 31, 2024+21.3%
Finite-lived intangibles, net$1.3B13 Dec 31, 2025$854.0M13 Dec 31, 2024+47.0%

The story

Previously named GE Capital Retail Finance Corporation, Synchrony was incorporated in Delaware in 2003. The company was inactive until 2013. Centered on co-branded credit products, Synchrony went public in July 2014 and raised $2.88 billion in its initial public offering.

Synchrony acquired GPShopper in 2017. In 2018, it acquired Loop Commerce, which provides a digital gifting platform called GiftNow. The same year, it acquired PayPal's $7.6 billion credit receivables portfolio and became the exclusive issuer for the PayPal Credit point-of-sale financing program in the United States through 2028.

GIC Private Limited, the sovereign wealth fund of Singapore, owned 7.72% of Synchrony's stock in 2019. GIC exited its position in 2023.

From Wikipedia’s article on Synchrony Financial, shared under CC BY-SA 4.0.7

Leadership

Who has led Synchrony Financial, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Margaret M. Keane2014–2015

President

  1. Margaret M. Keane2014–2015
20052010201520202025
Board members and other officers (39)

Products and brands

  • credit card

Listed on Wikidata.1

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • CareCredit LLC California8
  • RFS Holding, Inc. Delaware8
  • RFS Holding, L.L.C. Delaware8
  • Retail Finance Credit Services, LLC Delaware8
  • Retail Finance International Holdings, Inc. Delaware8
  • Retail Finance Servicing, LLC Delaware8
  • Sherman Clay & Co., LLC Delaware8
  • Synchrony Card Funding, LLC Delaware8
  • Synchrony Card Issuance Trust Delaware8
  • Synchrony Cascade, LLC Delaware8
  • Synchrony Credit Card Master Note Trust Delaware8
  • Synchrony Financial Canada Ontario8
  • Synchrony Financial Canada Company Nova Scotia8
  • Synchrony Global Services Philippines, Inc. Philippines8
  • Synchrony Holding Company Nova Scotia8
  • Synchrony International Resource Management, LLC Delaware8
  • Synchrony International Services Private Limited India8
  • Synchrony Lending, Inc. Delaware8
  • Synchrony Sales Finance Holding, LLC Delaware8
  • Synchrony Sales Finance Master Trust Delaware8
  • Versatile Credit, Inc. Pennsylvania8

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Employees over time

  • 201615,0001

Timeline

  1. Sep 14, 20268-K Regulation FD disclosure56
  2. Aug 17, 20268-K Results of operations57
  3. Jul 31, 20268-K Other events58
  4. Jul 21, 20268-K Results of operations59
  5. Jul 21, 20268-K Regulation FD disclosure60
  6. Jun 29, 20268-K Executive or director change; Regulation FD disclosure61
  7. Jun 25, 20268-K Shareholder vote62
  8. Jun 9, 20268-K Regulation FD disclosure63
  9. Jun 5, 20268-K Change to shareholders' rights; Bylaws or fiscal year changed; Other events64
  10. May 15, 20268-K Regulation FD disclosure65
  11. Apr 21, 20268-K Results of operations66
  12. Apr 21, 20268-K Regulation FD disclosure67
  13. Jul 31, 2014Went public Listed on NYSE1
  14. Jul 30, 2014New chief executive Margaret M. Keane becomes CEO17
  15. Sep 12, 2003Founded Founded1

Calendar

Coming up

  1. Oct 20, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $2.86 a share, on Oct 15, 2025.68

When it reported results

  1. Aug 17, 2026Reported quarterly or annual results57
  2. Jul 21, 2026Reported quarterly or annual results59
  3. Apr 21, 2026Reported quarterly or annual results66
  4. Jan 27, 2026Reported quarterly or annual results69
  5. Oct 15, 2025Reported quarterly or annual results70
  6. Jul 22, 2025Reported quarterly or annual results71
  7. Apr 22, 2025Reported quarterly or annual results72
  8. Jan 28, 2025Reported quarterly or annual results73

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

1,078 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 111 major events, 803 insider forms, 21 large holders, 123 other. The latest 20:

  1. Oct 2, 20264 EDGAR
  2. Oct 2, 20264 EDGAR
  3. Oct 2, 20264 EDGAR
  4. Oct 2, 20264 EDGAR
  5. Oct 2, 20264 EDGAR
  6. Oct 2, 20264 EDGAR
  7. Oct 2, 20264 EDGAR
  8. Oct 2, 20264 EDGAR
  9. Oct 2, 20264 EDGAR
  10. Oct 2, 20264 EDGAR
  11. Oct 2, 20264 EDGAR
  12. Sep 14, 20268-K EDGAR
  13. Aug 19, 20264 EDGAR
  14. Aug 19, 20264 EDGAR
  15. Aug 19, 20264 EDGAR
  16. Aug 19, 20264 EDGAR
  17. Aug 19, 20264 EDGAR
  18. Aug 19, 20264 EDGAR
  19. Aug 19, 20264 EDGAR
  20. Aug 19, 20264 EDGAR

The 1,078 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

84 open-market trades by officers, directors and large owners since October 2021: 0 buys and 84 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 13, 2026Casellas AlbertoSee remarksSale5,456$80.00$436.5KForm 4
Aug 3, 2026Gentleman CourtneySee remarksSale721$76.73$55.3KForm 4
Aug 3, 2026Owens DarrellSee remarksSale610$76.73$46.8KForm 4
Aug 3, 2026COVIELLO ARTHUR W JRDirectorSale4,000$77.17$308.7KForm 4
May 15, 2026MOTHNER JONATHAN SSee remarksSale51,258$71.23$3.7MForm 4
May 1, 2026Howse CurtisSee remarksSale8,436$76.55$645.8KForm 4
May 1, 2026Casellas AlbertoSee remarksSale5,794$76.55$443.5KForm 4
May 1, 2026COVIELLO ARTHUR W JRDirectorSale4,000$76.55$306.2KForm 4
Mar 3, 2026Wenzel Brian J. Sr.See remarksSale47,112$67.16$3.2MForm 4
Mar 2, 2026Gentleman CourtneySee remarksSale4,338$67.71$293.7KForm 4
Mar 2, 2026Owens DarrellSee remarksSale3,865$67.71$261.7KForm 4
Mar 2, 2026Juel CarolSee remarksSale16,859$67.71$1.1MForm 4
Mar 2, 2026Schaller BartSee remarksSale12,980$67.71$878.9KForm 4
Mar 2, 2026Howse CurtisSee remarksSale7,882$67.71$533.7KForm 4
Mar 2, 2026Wenzel Brian J. Sr.See remarksSale19,580$67.71$1.3MForm 4
Mar 2, 2026Casellas AlbertoSee remarksSale14,399$67.71$975.0KForm 4
Mar 2, 2026DOUBLES BRIAN DSee remarksSale217,554$68.68$14.9MForm 4
Feb 17, 2026Gentleman CourtneySee remarksSale12,045$70.60$850.4KForm 4
Feb 17, 2026Owens DarrellSee remarksSale10,304$70.60$727.5KForm 4
Feb 17, 2026Juel CarolSee remarksSale44,411$70.60$3.1MForm 4

All 84 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Brian Doubles$1.3M$21.4M81
2025Brian Wenzel$745.7K$6.4M81
2025Jonathan Mothner$700.0K$5.4M81
2025Carol Juel$700.0K$5.3M81
2025Curtis Howse$650.0K$4.5M81
2024Brian Doubles$1.2M$18.8M81
2024Brian Wenzel$720.7K$5.7M81
2024Jonathan Mothner$700.0K$5.1M81
2024Carol Juel$700.0K$5.1M81
2024Curtis Howse$645.7K$4.4M81
2023Brian Doubles$1.1M$19.2M81
2023Brian Wenzel$700.0K$5.7M81
2023Carol Juel$700.0K$5.5M81
2023Jonathan Mothner$700.0K$4.9M81
2023Curtis Howse$625.0K$4.5M81

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.30,893,517$2.3B0.0%+414,443
Vanguard Capital Management LLC22,013,925$1.7B0.0%−583,891
Capital World Investors18,918,854$1.4B0.2%−14,878,053
Vanguard Portfolio Management LLC18,090,018$1.4B0.1%−414,699
State Street Corp17,733,198$1.3B0.0%+8,569
Bank Of America Corp /de/14,766,088$1.1B0.1%−1,298,530
Goldman Sachs Group Inc10,093,347$767.6M0.1%+498,884
Geode Capital Management, LLC9,853,708$759.6M0.0%−94,991
First Trust Advisors LP7,698,248$585.5M0.3%+2,360,138
Par Capital Management Inc7,612,137$578.9M14.4%No change
Harris Associates L P7,446,335$566.3M0.8%+2,787,334
Dimensional Fund Advisors LP6,254,849$475.8M0.1%+215,096
Nordea Investment Management Ab5,303,927$411.0M0.3%+51,463
Invesco Ltd.5,379,328$409.1M0.0%−251,446
Northern Trust Corp4,879,249$371.1M0.0%−128,212
Morgan Stanley4,633,326$352.4M0.0%+71,562
Ameriprise Financial Inc4,512,851$343.2M0.1%−324,970
Assetmark, Inc4,402,769$334.8M0.6%+64,165
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC4,174,429$317.5M0.1%−86,574
Barclays PLC4,045,557$307.7M0.1%+2,391,653
Norges Bank4,019,209$305.7M0.0%New
Allianz Asset Management GmbH4,191,242$302.4M0.3%+9,141
Aqr Capital Management LLC3,564,350$271.1M0.1%−921,310
Charles Schwab Investment Management Inc3,035,055$230.8M0.0%−30,160
Robeco Institutional Asset Management B.V.2,829,925$215.2M0.3%+123,728

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

20 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Apr 9, 2026Josh GottheimerDemocratic, HouseSale$15,001 - $50,000+11.2%Report
Mar 27, 2026Alan ArmstrongRepublican, SenateBuy$1,001 - $15,000−8.2%Report
Jul 2, 2025Julia LetlowRepublican, HouseBuy$1,001 - $15,000−17.6%Report
Apr 10, 2023Daniel S. GoldmanDemocratic, HousePartial sale$1,001 - $15,000−69.2%Report
Aug 3, 2022Kathy Manning, HouseSale$1,001 - $15,000−32.0%Report
Jul 20, 2022Kathy Manning, HouseBuy$1,001 - $15,000+27.3%Report
Apr 28, 2022Zoe LofgrenDemocratic, HouseSale$1,001 - $15,000−14.4%Report
Sep 30, 2021Susie LeeDemocratic, HouseSale$1,001 - $15,000+28.1%Report
Sep 30, 2021Zoe LofgrenDemocratic, HouseBuy$1,001 - $15,000−28.1%Report
Jun 28, 2021Susie LeeDemocratic, HouseBuy$1,001 - $15,000−27.6%Report
May 27, 2021Susie LeeDemocratic, HouseBuy$1,001 - $15,000−28.6%Report
May 26, 2021Susie LeeDemocratic, HouseBuy$1,001 - $15,000−25.5%Report
May 14, 2021Susie LeeDemocratic, HouseBuy$1,001 - $15,000−26.8%Report
Apr 14, 2021J. French HillRepublican, HouseSale$15,001 - $50,000+8.8%Report
Feb 16, 2021Peter Meijer, HouseSale$1,001 - $15,000+1.0%Report
Feb 5, 2021Josh GottheimerDemocratic, HouseBuy$1,001 - $15,000−0.1%Report
Apr 29, 2020Gilbert Ray Cisneros, Jr.Democratic, HouseSale$1,001 - $15,000−89.2%Report
Apr 2, 2020Dean Phillips, HousePartial sale$1,001 - $15,000−211.9%Report
Mar 18, 2020Gilbert Ray Cisneros, Jr.Democratic, HouseBuy$1,001 - $15,000+210.9%Report
Jan 22, 2020Dean Phillips, HouseBuy$1,001 - $15,000−29.2%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How Synchrony Financial is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARSynchrony Financial2
  • CIK0001601712
  • Employer ID (EIN)51-048335282
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company82
  • Incorporated inDelaware82
  • Fiscal year endsDecember 312
  • Industry code (SIC)6199 Finance Services2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address777 Long Ridge Road, Stamford, CT 06902-12502
  • Phone203 585-24002
  • Shares outstanding325,370,840 as of Jul 17, 202615
  • Public float$24.8B as of Jun 30, 202582
  • AuditorKPMG LLP, New York, New York PCAOB ID 185; it also attests to the company’s internal control over financial reporting82
  • On EDGAR sinceMar 13, 20142
  • Filings2,239 in all: 4 (1,567), 8-K (271), 144 (71), 3 (43), 424B5 (39), 10-Q (37), 5 (35), SC 13G/A (33)2
    All 39 form types

    FWP (21), DEFA14A (13), 10-K (12), DEF 14A (12), CORRESP (10), 425 (7), S-1/A (7), SC 13G (7), UPLOAD (7), ARS (5), EFFECT (4), S-3ASR (4), SCHEDULE 13G/A (4), 8-A12B (3), CT ORDER (3), S-8 (3), SCHEDULE 13G (3), 424B1 (2), CERT (2), IRANNOTICE (2), S-1 (2), 144/A (1), 424B2 (1), 424B3 (1), CERTNYS (1), PRE 14A (1), S-1MEF (1), S-3 (1), S-4 (1), S-4/A (1), S-8 POS (1)

  • Latest filingsAnnual report (10-K) Feb 6, 2026
    Quarterly report (10-Q) Jul 23, 2026
    Proxy statement (DEF 14A) Apr 29, 2026
    Latest 8-K (8-K) Sep 14, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, par value $0.001 per shareSYFNew York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ASYFPrANew York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series BSYFPrBNew York Stock Exchange

From the cover page of the 10-K filed Feb 6, 2026 (Section 12(b) of the Exchange Act).82

Sources

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