Company Dossier · Financials
Synchrony Financial
- S&P 500
- Russell 1000
What Synchrony Financial is doing, read from its filings, its own words and the news, with every figure dated and sourced. Not investment advice: no ratings, no price targets.
Open the full company record in Palanor: guidance, KPIs, ownership, calls, prices →
The latest read
Computed from the data on Oct 22, 2026. Every figure links back to its source in the sections below.
- Share buybacks in the fiscal year to December 31, 2025: $2.94 billion.SEC EDGAR filings (10-K)
- Long-term debt issued in the fiscal year to December 31, 2025: $1.79 billion.SEC EDGAR filings (10-K)
- Latest earnings call or results release (October 20, 2026): sentiment 0.60 on a −1 to +1 scale (mixed), confidence 0.70 of 1.Palanor Discourse
- Latest annual report (filed February 6, 2026): 0 risk factors added, 0 removed.Risk Factor Changes (10-K Item 1A)
- Insiders were net sellers in Q3 2026: $0.8 million on the open market.SEC Form 4
- 1,010 institutional managers reported a position at June 30, 2026 (+39 on the quarter before).SEC Form 13F
- H-1B filings certified in Q2 2026: 31 (23 a year earlier).U.S. Department of Labor (OFLC)
Company Posture
How Company Posture is measured →What Synchrony Financial is doing, on three axes, from its filings and its own words, as of 2026-10-22. A description, not a rating: Company Posture never says whether to buy.
Expanding ↔ Retrenching
Withheld: 50% of the evidence is readable at this date (needs 60%).
- Capital spending—
- Debt raised—
- Buybacks vs capex—
- Hiring filings66th pct
- Deals and private raises48th pct
- Patent publications2nd pct
Confident ↔ Hedging
Mixed
- Call sentiment66th pct
- Call confidence42nd pct
- Guidance changes—
- Risk factors added—
- Insider open-market trades41st pct
- + Call sentiment
- − Call confidence
- − Insider open-market trades
Pressure
Components only: Not yet shown as a score: in the back-test it did not add to a naive reader's forecast of impairment, debt acceleration or bankruptcy filings (8-K 2.06, 2.04, 1.03) (not enough events (17 in half 1; needs 20)).
- Fails-to-deliver32nd pct
- Stress filings49th pct
Credit
How these are built →Synchrony Financial's borrowing from its SEC filings: the bonds it priced and the debt on its latest balance sheet. A description, not a rating.
Bonds priced, last 12 months
$1.9B
U.S. dollar tranches with a term sheet on EDGAR. Deals sold under Rule 144A file none and are not counted.
| Priced | Amount | Coupon | Matures | Spread | Yield |
|---|---|---|---|---|---|
| Jul 28, 2026 | $600M | 5.450% | 2030 (4y) | +117bp | 5.475% |
| Jul 28, 2026 | $500M | 6.276% | 2037 (11y) | +167bp | 6.276% |
| Feb 18, 2026 | $750M | 4.947% | 2032 (6y) | +130bp | 4.947% |
| Jul 24, 2025 | $500M | 5.019% | 2029 (4y) | +115bp | 5.019% |
| Jul 24, 2025 | $500M | 6.000% | 2036 (11y) | +160bp | 6.000% |
| Mar 3, 2025 | $800M | 5.450% | 2031 (6y) | +145bp | 5.450% |
| Jul 30, 2024 | $750M | 5.935% | 2030 (6y) | +190bp | 5.935% |
From the pricing term sheets Synchrony Financial filed with the SEC. Spread is to the benchmark Treasury (or Bund, Gilt) at pricing.
Charts
Live charts: each one redraws from today’s data and has an image link to paste into a document or slide.
Capital returned and raised
What the company says
Hiring and ownership
Filings and records
The last two years of notable 8-Ks, offerings, annual reports, federal awards, lobbying reports, patents and other public records, newest first.
- Oct 20, 2026LobbyingLobbying report (SYNCHRONY FINANCIAL)third_quarter 2026 · $0.2 million
- Oct 20, 2026LobbyingLobbying report (POLARIS GOVERNMENT RELATIONS, LLC)third_quarter 2026 · $0.1 million
- Oct 19, 2026LobbyingLobbying report (PORTERFIELD, FETTIG & SEARS, LLC)third_quarter 2026 · $0.1 million
- Oct 13, 2026Patent
- Oct 13, 2026Patent
- Sep 29, 2026PatentPatent granted: PERSISTENT LOGINUS 12750226
- Sep 15, 2026Patent
- Aug 18, 2026Patent
- Jul 20, 2026LobbyingLobbying report (SYNCHRONY FINANCIAL)second_quarter 2026 · $0.4 million
- Jul 20, 2026LobbyingLobbying report (PORTERFIELD, FETTIG & SEARS, LLC)second_quarter 2026 · $0.1 million
- Jul 20, 2026LobbyingLobbying report (POLARIS GOVERNMENT RELATIONS, LLC)second_quarter 2026 · $0.1 million
- Jun 29, 20268-KDirector or officer changeItem 5.02
- Jun 25, 20268-KShareholder vote resultsItem 5.07
- Apr 20, 2026LobbyingLobbying report (SYNCHRONY FINANCIAL)first_quarter 2026 · $0.6 million
- Apr 20, 2026LobbyingLobbying report (PORTERFIELD, FETTIG & SEARS, LLC)first_quarter 2026 · $0.1 million
- Feb 6, 202610-K
- Sep 29, 20258-KDirector or officer changeItem 5.02
- Jun 20, 20258-KShareholder vote resultsItem 5.07
- Feb 7, 202510-K
- Feb 8, 202410-K
Peers
Companies in the same industry in the S&P 500, Russell 1000 or MidCap 400, closest in revenue first. Trailing twelve months, from SEC filings.
| Company | Revenue | Free cash flow | Through |
|---|---|---|---|
| American Express AXP | $43.1B | $15.1B | Jun 30, 2026 |
| Capital One COF | $9.9B | $29.7B | Jun 30, 2026 |
| Sallie Mae SLM | — | — | — |
| Arch Capital Group ACGL | $19.2B | $6.1B | Jun 30, 2026 |
| American Financial Group AFG | $8.3B | — | Jun 30, 2026 |
| Aflac AFL | $18.1B | — | Jun 30, 2026 |
| AGNC Investment AGNC | — | — | — |
| Assured Guaranty AGO | $0.9B | — | Jun 30, 2026 |