SYFSynchrony Financial

Financials · Financial Services · NYSE

Employees: 20,000
Headquarters: Stamford, CT
Next results: around Jan 26, 2027

Key numbers

Latest fiscal year, with ten years behind each

RevenueFY2016–25 $19.0B−2.8% FY2024: $19.5B 10-K FY2025 · XBRL Net incomeFY2016–25 $3.6B+1.5% FY2024: $3.5B 10-K FY2025 · XBRL

What changed

10-K filed Feb 6, 2026 against Feb 7, 2025

Area	What changed	Source
Risk factors	5 new paragraphs, nothing like them in the previous 10-K	10-K Item 1A
Accounting checks	8 other checks clear	10-K · XBRL
Insiders	No open-market buys in the last 90 days	Form 4
Filings	3 in the last 30 days	EDGAR

Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.

What's new, in their words

10-K filed Feb 6, 2026

Paragraphs in Risk Factors that were not in the 10-K filed 2025-02-07. Quoted as filed.

Competition for partner relationships in the consumer finance industry is intense.
10-K, Item 1A

All 5 new paragraphs →

Accounting checks

latest 10-K

8 of 8 clear 0 worth a look. Checks, not verdicts.

✓
Same auditor in both 10-Ks: KPMG LLP
✓
No statement of substantial doubt about going concern
✓
No 8-K item 4.02 in the last 2 years
✓
No NT 10-K or NT 10-Q in the last 2 years
✓
The same matters as last year: Allowance for Credit Losses on Loan Receivables
✓
No sentence in the 10-K concludes that controls were not effective because of a material weakness
✓
No 8-K item 2.06 in the last 2 years
✓
No 8-K item 1.03 in the last 2 years

How each check works, with sources →

In the last 30 days

All filings →

Oct 22, 202610-Q Quarterly report (10-Q) period ended Sep 30, 2026
Oct 20, 20268-K Quarterly results 8-K item 2.02
Oct 20, 20268-K Regulation FD disclosure 8-K item 7.01

About Synchrony Financial

10-K, Feb 6, 2026

Headquarters: Stamford, CT
Country: United States
Reports in: USD
Listed on: NYSE
Fiscal year ends: December 31
Last results: Oct 20, 2026
Incorporated in: NY

Employees, at the top of the page: "At December 31, 2025 we had over 20,000 full-time employees" (10-K). Address and exchange: SEC's company file.

Permanent link, kept if the ticker changes: /c/sec:0001601712 (SEC's CIK).

Get an email when this changes: new risk paragraphs, accounting items, insider purchases, a new 10-K or 10-Q. RSS feed

Work on SYF in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/SYF/export.csv") into a cell.