Synchrony Financial

Synchrony Financial

SYF·NYSE

$68.72

-3.2%
Financial ServicesFinancial - Credit Services

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

At a Glance

Live Snapshot
Market Cap$23.12B
EPS9.3500
P/E Ratio7.35
Earnings Date07/21/2026
9.36%
Return on Invested Capital
3Y-16.0%
5Y+92.0%
10Y+43.0%
21.19%
Return on Equity
3Y-10.0%
5Y+94.0%
10Y+34.0%
2.98%
Return on Assets
2%
3Y+3.0%
5Y+107.0%
10Y+20.0%
Synchrony Financial

Synchrony Financial Management Team

SYF · NYSE
MB

Mr. Bart Schaller

Executive Vice President & Chief Executive Officer of Digital

Born 1969(Age 57)
male
MB

Mr. Brian J. Wenzel Sr.

Executive Vice President & Chief Financial Officer

Compensation

$2,174,571

Born 1968(Age 58)
male
MM

Mr. Michael Bopp

Executive Vice President & Chief Growth Officer

Born 1973(Age 53)
male
MD

Mr. D.J. Casto

Executive Vice President & Chief Human Resources Officer

male
MJ

Mr. Jonathan S. Mothner Esq., J.D.

Executive Vice President & Chief Risk and Legal Officer

Compensation

$2,128,110

Born 1964(Age 62)
male
MA

Mr. Alberto Casellas

Executive Vice President and Chief Executive Officer of Health & Wellness

Compensation

$1,870,436

Born 1967(Age 59)
male
MC

Ms. Carol D. Juel

Executive Vice President and Chief Technology & Operating Officer

Compensation

$2,102,373

Born 1973(Age 53)
female
MB

Mr. Brian D. Doubles

President, Chief Executive Officer & Director

Compensation

$4,541,713

Born 1976(Age 50)
male
MK

Ms. Kathryn Harmon Miller

Senior Vice President of Investor Relations

female
MA

Ms. Amy Tiliakos

Senior Vice President, Chief Accounting Officer & Controller

Born 1982(Age 44)
female
syf

Synchrony Financial Insider Positioning

SYF · NYSE

During the last 12 months, insiders have sold $41.36M worth of SYF shares, with no buying activity reported.

3 Months

Bought

0

0.00

Sold

29.5K

2.20M

Net Activity

-2.2M

-$2.20M

3-6 Months

Bought

0

0.00

Sold

477.1K

33.13M

Net Activity

-33.1M

-$33.13M

6-9 Months

Bought

0

0.00

Sold

35.1K

2.58M

Net Activity

-2.6M

-$2.58M

9-12 Months

Bought

0

0.00

Sold

51.2K

3.45M

Net Activity

-3.4M

-$3.45M

Top Buyers

No buying activity

Top Sellers

1
DBD

Doubles Brian D

Director, Officer: See Remarks

150.0K shares1 transactions

$10.33M

2
HC

Howse Curtis

Officer: See Remarks

92.3K shares5 transactions

$6.61M

3
WBJS

Wenzel Brian J. Sr.

Officer: See Remarks

75.2K shares3 transactions

$5.09M

4
CA

Casellas Alberto

Officer: See Remarks

61.7K shares3 transactions

$4.35M

5
JC

Juel Carol

Officer: See Remarks

61.3K shares2 transactions

$4.28M

Insider Activity Analysis

Net Insider Sentiment

Bearish

Strong bearish signal with $41.36M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.

Buy/Sell Ratio

0.00:1

Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.

Recent Trend (3 Months)

$2.20M

Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.

Insider Participation

High Selling

5 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.

Insider Activity Insight

Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.

SEC Filings

SYF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
DEF 14A

DEF 14A 2025

N/A

April 29, 2026
December 31, 2025
2025
DEF 14A

DEF 14A 2025

N/A

April 25, 2025
June 17, 2025
2025
DEF 14A

DEF 14A 2024

N/A

April 25, 2024
June 11, 2024
2024
DEF 14A

DEF 14A

N/A

April 04, 2023
April 04, 2023
 
DEF 14A

DEF 14A 2022

N/A

April 05, 2022
May 19, 2022
2022
DEF 14A

DEF 14A 2021

N/A

April 06, 2021
May 20, 2021
2021
DEF 14A

DEF 14A 2020

N/A

April 06, 2020
May 21, 2020
2020
DEF 14A

DEF 14A 2019

N/A

April 05, 2019
May 23, 2019
2019
DEF 14A

DEF 14A 2018

N/A

April 04, 2018
May 17, 2018
2018
DEF 14A

DEF 14A 2017

N/A

April 04, 2017
May 18, 2017
2017
Showing 1 to 10 of 12 filings