Synchrony Financial SYF
- Employees
- 20,000
- Headquarters
- Stamford, CT
- Next results
- around Jan 26, 2027
What changed
5 new risk paragraphs. 10-K filed Feb 6, 2026 against Feb 7, 2025.
Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.
Accounting checks
8 checks on the latest 10-K. Checks, not verdicts.
0facts worth reading about all 8 checks found nothing to note
-
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
5 more checks with nothing to note
-
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
In their words
5 paragraphs in Risk Factors that were not in the 10-K filed Feb 7, 2025. Quoted as filed.
-
Item 1A · new paragraph · not in the 10-K filed Feb 7, 2025 10-K, ITEM 1A
Competition for partner relationships in the consumer finance industry is intense.
-
Item 1A · new paragraph · not in the 10-K filed Feb 7, 2025 10-K, ITEM 1A
Competitive dynamics in the consumer credit and payments industry may adversely impact our ability to attract and retain customers, and the utilization of our products.
-
Item 1A · new paragraph · not in the 10-K filed Feb 7, 2025 10-K, ITEM 1A
We maintain an allowance for credit losses in accordance with U.S. GAAP, known as CECL, to provide for expected credit losses for the life of our loan portfolio, including acquired loan portfolios. Upon origination of a loan portfolio, the estimate of expected credit losses, and any subsequent changes to such estimate, are recorded…
-
Item 1A · new paragraph · not in the 10-K filed Feb 7, 2025 10-K, ITEM 1A
Additionally, in November 2025, Visa and Mastercard announced a proposed settlement to resolve a long-standing class action antitrust lawsuit. The proposed settlement, which is subject to approval by the U.S. District Court for the Eastern District of New York and applicable to U.S. Visa and Mastercard credit cards, will among other…
New risk paragraphs, against peers
Latest 10-K of each, Financials companies closest in revenue
Paragraphs in Risk Factors with nothing like them in the company's 10-K the year before. A count of text, not of risk.
Financial performance
Last 4 fiscal years · 10-K XBRL
| Metric | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | $16.0B | $17.3B | $19.5B | $19.0B |
| Net income | $3.0B | $2.2B | $3.5B | $3.6B |
| Operating cash flow | $6.7B | $8.6B | $9.8B | $9.9B |
Revenue, FY2016 to FY2025
Ten fiscal years, each from its own 10-K · XBRL · USD
$19.0B ▼ 2.8% in FY2025$3.6B ▲ 1.5% in FY2025
Recent filings
4 filings in the last 30 days · SEC EDGAR
-
8-KNov 10, 2026Regulation FD disclosure 8-K item 7.01
-
10-QOct 22, 2026Quarterly report (10-Q) period ended Sep 30, 2026
-
8-KOct 20, 2026Quarterly results 8-K item 2.02
-
8-KOct 20, 2026Regulation FD disclosure 8-K item 7.01
About the company
Synchrony Financial, Stamford, CT · from the 10-K filed 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.
Email alerts
Sources
The 10-K filed Feb 6, 2026 (open at SEC), compared with the 10-K filed Feb 7, 2025. Numbers from the XBRL of the 10-Ks; filings from SEC EDGAR.
Work with it: Excel workbook · CSV. Google Sheet that stays up to date: paste =IMPORTDATA("https://tickdelta.com/company/SYF/export.csv") into a cell.