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SYFSynchrony Financial

Financials · Financial Services · NYSE
Employees
20,000
Headquarters
Stamford, CT
Next results
around Jan 26, 2027
Compare with peers → Embed
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
AreaWhat changedSource
Risk factors5 new paragraphs, nothing like them in the previous 10-K10-K Item 1A
Accounting checks8 other checks clear10-K · XBRL
InsidersNo open-market buys in the last 90 daysForm 4
Filings3 in the last 30 daysEDGAR

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.

  1. 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 →

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.