olivLaw · US equity research
Synchrony Financial SYF
Finance Services · SIC 6199 · Vertical: Finance Services (SIC 6199)
Synchrony Financial is a consumer financial services company offering private label credit cards, co-branded cards and installment loans through retail, digital and healthcare partners. In the third quarter of 2026 the company reported purchase volume growth to 49.7 billion USD, while net earnings fell to 892 million USD and loan receivables reached 103.3 billion USD.
At the close of 03 Nov 2026, Synchrony Financial (SYF) stock was 75.18 USD (−2.13% on the day), with market capitalisation 23.4 bn USD, P/E 7.8 on diluted EPS of 9.64 USD over the last 12 months, dividend yield 1.65%, beta 1.53, 52-week range 63.78–88.47 USD. Latest reported quarter (Q3 2026): net income of 892.0 m USD (−17.2% YoY), diluted EPS 2.68 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 52.3
- neutral
- Bollinger (20, 2)
- 71.59 – 76.91
- in the upper half of the band · %B 0.67 · band width 7.2%
- SMA 50 / 200
- 74.87 / 73.58
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 0.51 / 0.20
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +4.8% | −2.0% | +6.7 pp | — |
| 3 months | −4.9% | −2.2% | −2.8 pp | — |
| 6 months | +1.9% | +4.3% | −2.4 pp | — |
| Year to date | −9.9% | +10.6% | −20.5 pp | — |
| 1 year | +1.6% | +10.5% | −8.9 pp | −47.5% |
| 3 years | +149.4% | +73.7% | +75.7 pp | −48.3% |
| 5 years | +56.7% | +61.7% | −5.1 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Sept 2026
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Depreciation & amortisation | 120.0 m | 125.0 m | 122.0 m ≈ | 128.0 m ≈ | 139.0 m | 143.0 m | 145.0 m ≈ | 150.0 m ≈ |
| Pre-tax income | 973.0 m | 984.0 m | 1.3 bn | 1.4 bn | 952.0 m | 1.0 bn | 1.2 bn | 1.2 bn |
| Income tax | 199.0 m | 227.0 m | 289.0 m | 352.0 m | 201.0 m | 242.0 m | 301.0 m | 289.0 m |
| Net income | 774.0 m | 757.0 m | 967.0 m | 1.1 bn | 751.0 m | 805.0 m | 885.0 m | 892.0 m |
| Diluted EPS | 1.96 ≈ | 1.89 | 2.50 | 2.86 | 2.10 ≈ | 2.27 | 2.59 | 2.68 |
| Operating cash flow | 2.4 bn | 2.2 bn | 2.6 bn ≈ | 2.6 bn ≈ | 2.5 bn | 2.2 bn | 2.4 bn ≈ | 2.5 bn ≈ |
| Dividends paid | 97.0 m | 97.0 m | 114.0 m ≈ | 110.0 m ≈ | 106.0 m | 104.0 m | 100.0 m ≈ | 110.0 m ≈ |
| Share repurchases | 101.0 m | 605.0 m | 504.0 m ≈ | 870.0 m ≈ | 962.0 m | 900.0 m | 878.0 m ≈ | 1.1 bn ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 59 percentile of its own 44-quarter history (min 3.6, median 7.3, max 16.0; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Revenue YoY | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Net income | 2.8 bn | 3.7 bn | 1.4 bn | 4.2 bn | 3.0 bn | 2.2 bn | 3.5 bn | 3.6 bn |
| Net income YoY | +44.2% | +34.3% | −63.0% | +204.8% | −28.5% | −25.8% | +56.3% | +1.5% |
| Diluted EPS | 3.74 | 5.56 | 2.27 | 7.34 | 6.15 | 5.19 | 8.55 | 9.28 |
| Diluted EPS YoY | +54.5% | +48.7% | −59.2% | +223.3% | −16.2% | −15.6% | +64.7% | +8.5% |
| net % | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Free cash flow | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 15.0 bn USD
- Financial debt
- 15.2 bn USD
- Net debt
- 209.0 m USD
- Equity
- 16.8 bn USD
- Total assets
- 119.1 bn USD
- Debt / equity
- 0.91x
- Current ratio
- unavailable
- ROE
- 21.3%
- ROA
- 3.0%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Depreciation & amortisation | 383.0 m | 390.0 m | 419.0 m | 458.0 m | 481.0 m | 514.0 m | SEC (XBRL)· 06 Feb 2026verified |
| Interest expense | 1.7 bn | 1.0 bn | 1.5 bn | 3.7 bn | — | — | SEC (XBRL)· 08 Feb 2024verified |
| Pre-tax income | 1.8 bn | 5.5 bn | 4.0 bn | 2.9 bn | 4.6 bn | 4.6 bn | SEC (XBRL)· 06 Feb 2026verified |
| Income tax | 412.0 m | 1.3 bn | 946.0 m | 666.0 m | 1.1 bn | 1.1 bn | SEC (XBRL)· 06 Feb 2026verified |
| Net income | 1.4 bn | 4.2 bn | 3.0 bn | 2.2 bn | 3.5 bn | 3.6 bn | SEC (XBRL)· 06 Feb 2026verified |
| Diluted EPS | 2.27 | 7.34 | 6.15 | 5.19 | 8.55 | 9.28 | SEC (XBRL)· 06 Feb 2026verified |
| Weighted average diluted shares | 590.8 m | 569.3 m | 483.4 m | 423.5 m | 400.6 m | 373.9 m | SEC (XBRL)· 06 Feb 2026verified |
| Dividend per share | 0.88 | 0.88 | 0.90 | 0.96 | 1.00 | 1.15 | SEC (XBRL)· 06 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 11.5 bn | 8.3 bn | 10.3 bn | 14.3 bn | 14.7 bn | 15.0 bn | SEC (XBRL)· 06 Feb 2026verified |
| Property, plant & equipment, net | — | — | — | — | — | 1.2 bn | SEC (XBRL)· 23 Jul 2026verified |
| Goodwill | 1.1 bn | 1.1 bn | 1.1 bn | 1.0 bn | 1.3 bn | 1.4 bn | SEC (XBRL)· 06 Feb 2026verified |
| Intangibles (excl. goodwill) | 1.1 bn | 1.2 bn | 742.0 m | 815.0 m | 854.0 m | 104.0 m | SEC (XBRL)· 23 Jul 2026verified |
| Total assets | 95.9 bn | 95.7 bn | 104.6 bn | 117.5 bn | 119.5 bn | 119.1 bn | SEC (XBRL)· 06 Feb 2026verified |
| Long-term debt | 15.8 bn | 14.5 bn | 14.2 bn | 16.0 bn | 15.5 bn | 15.2 bn | SEC (XBRL)· 06 Feb 2026verified |
| Total liabilities | 83.2 bn | 82.1 bn | 91.7 bn | 103.6 bn | 102.9 bn | 102.3 bn | SEC (XBRL)· 06 Feb 2026verified |
| Equity | 12.7 bn † | 13.7 bn † | 12.9 bn † | 13.9 bn † | 16.6 bn † | 16.8 bn † | SEC (XBRL)· 06 Feb 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | 7.5 bn | 7.1 bn | 6.7 bn | 8.6 bn | 9.8 bn | 9.9 bn | SEC (XBRL)· 06 Feb 2026verified |
| Investing cash flow | -498.0 m | -4.8 bn | -10.2 bn | -14.2 bn | -8.9 bn | -4.9 bn | SEC (XBRL)· 06 Feb 2026verified |
| Financing cash flow | -8.0 bn | -5.2 bn | 5.3 bn | 9.6 bn | -611.0 m | -4.7 bn | SEC (XBRL)· 06 Feb 2026verified |
| Dividends paid | 520.0 m | 500.0 m | 434.0 m | 406.0 m | 398.0 m | 427.0 m | SEC (XBRL)· 06 Feb 2026verified |
| Share repurchases | 985.0 m | 2.9 bn | 3.3 bn | 1.1 bn | 1.0 bn | 2.9 bn | SEC (XBRL)· 06 Feb 2026verified |
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
- indicators available: 3 of at least 6
- score weight coverage: 25.0% of at least 60%
A scoring methodology on indicators and valuation, not investment advice.
Closing price
03 Nov 2026Source: olivLaw, closing series
Market cap: 23.4 bn USD
Key indicators
Coverage and freshness
Score by group
25% · Insufficient data
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 78.26 – 272.99 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- DCF (discounted cash flow)unavailable · input data missing
- Peers: EV/EBITDAunavailable · input data missing
- Peers: P/E78.26 – 272.99 (Mid 199.98)10 companies used · median multiple 20.7x · quartiles 8.1x – 28.3xATCH, AXP, JFU, NU, PGY, PURR, RHLD, SNFCA, SOFI, UPST
- Dividend discount (DDM)outside the aggregate15.11 – 20.32 (Mid 17.33)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Insufficient data
Minimum-evidence gate: indicators available: 3 of at least 6; score weight coverage: 25.0% of at least 60%
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | unavailable | unavailable | — |
| Net margin · Quality | unavailable | unavailable | — |
| FCF conversion · Quality | unavailable | unavailable | — |
| Revenue CAGR 3Y · Growth | unavailable | unavailable | — |
| EPS CAGR 3Y · Growth | 14.7% | 98 (on a fixed band) | 33% |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | unavailable | unavailable | — |
| Current ratio · Balance sheet | unavailable | unavailable | — |
| P/E (TTM) · Valuation | 7.8x | 75 (vs peers) | 42% |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | unavailable | unavailable | — |
| Shareholder yield (distributions) · Returns | 18.2% | 100 (on a fixed band) | 25% |
| Payout ratio (FCF) · Returns | unavailable | unavailable | — |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partialunavailable · 0/3 factors with a value
- Growth· partial98/100 · 1/2 factors with a value
- Quality· partialunavailable · 0/3 factors with a value
- Returns· partial100/100 · 1/2 factors with a value
- Valuation· partial75/100 · 1/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
SYNCHRONY FINANCIAL (SYF). Latest full fiscal year: 2025; data up to 2026-09-30.
Figures computed from the financial statements: ROE 19.8%.
The estimated value range is 78.26–272.99 USD per share (median of 1 methods, agreement: single method); assumptions are illustrative. Against the central value of 199.98 USD, the price of 75.18 USD leaves a potential of 166.0% (value / price − 1) and a margin of safety of 62.4% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
Insufficient data for a verdict (indicators available: 3 of at least 6; score weight coverage: 25.0% of at least 60%).
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- EPS CAGR 3Y: 14.7%
- P/E (TTM): 7.8x
- Shareholder yield (distributions): 18.2%
- The price is below the estimated value range
What contradicts it
No signal among the computed factors. That is not an absence of risk: factors without data were not assessed, and business risks (margins, inventory, demand) are in the source-based analysis.
Not assessed (insufficient data or a ratio without meaning): ROIC, Net margin, FCF conversion, Revenue CAGR 3Y, Net debt / EBITDA, Interest coverage, Current ratio, EV/EBITDA, FCF yield, Payout ratio (FCF).
Versus the vertical median
Finance Services (SIC 6199) · same industry (4-digit SIC) · compared with 39 companies
The size band was not applied: too few companies would have remained; the vertical includes much smaller or larger companies.
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| AXPAmerican Express Co | 218.3 bn | 18.3 | 35.9% | 27.9% | +6.4% | −11% / +91% |
| ARBKArgo Blockchain PLC | 45.2 bn | — | — | -117.2% | −7.0% | −97% / −99% |
| COINCoinbase Global, Inc. | 38.5 bn | — | -4.7% | -12.5% | +9.4% | −47% / +17% |
| SYFSynchrony Financial | 23.4 bn | 7.8 | 19.8% | — | unavailable | +2% / +149% |
| SOFISoFi Technologies, Inc. | 21.7 bn | 35.0 | 7.1% | 104.3% | +23.1% | −44% / +130% |
| MARAMara Holdings, Inc. | 2.7 bn | — | -107.2% | -430.2% | +38.2% | −42% / −43% |
| UPSTUpstart Holdings, Inc. | 2.3 bn | 39.9 | 8.0% | 4.9% | +64.0% | −48% / −13% |
| PURRHyperliquid Strategies Inc | 1.9 bn | 3.0 | 32.6% | 3,229.8% | unavailable | unavailable / unavailable |
| CLSKCleanSpark, Inc. | 1.7 bn | — | -68.6% | -130.2% | +102.2% | −55% / +9% |
| BTDRBitdeer Technologies Group | 1.5 bn | — | -196.7% | -171.3% | −5.1% | −51% / +45% |
| RHLDResolute Holdings Management, Inc. | 1.0 bn | 24.1 | — | 4.2% | +9.9% | −26% / unavailable |
| CDChaince Digital Holdings Inc. | 741.4 m | — | -12.3% | -182.5% | +277.9% | −30% / +622% |
| GDOTGreen Dot Corp | 727.1 m | — | -2.8% | -1.1% | +20.7% | +2% / +59% |
| TRONTron Inc. | 664.1 m | 96.8 | 3.8% | 135.6% | +10.0% | −24% / −48% |
| JFU9F Inc. | 536.7 m | 23.2 | 4.7% | 125.2% | +12.2% | −52% / −43% |
| BTBTBit Digital, Inc. | 300.9 m | — | -56.7% | -237.2% | +5.1% | −65% / −68% |
| CANGCango Inc. | 272.7 m | — | -130.8% | -90.4% | +524.3% | −92% / −76% |
| CNTNCanton Strategic Holdings, Inc. | 172.1 m | — | -43.1% | — | unavailable | −17% / −83% |
| USBCUsbc, Inc. | 166.5 m | — | -414.1% | — | −100.0% | −47% / −97% |
| SNFCASecurity National Financial Corporation | 166.1 m | 6.5 | 9.0% | 11.1% | +3.0% | +15% / +37% |
| TONXTon Strategy Company | 159.7 m | — | -75.5% | -532.8% | +1,327.8% | −15% / −93% |
| BMHLBluemount Holdings Limited | 79.0 m | 61,098.2 | 26.2% | 18.8% | unavailable | −8% / unavailable |
| UPXIUpexi, Inc. | 62.9 m | — | -1,356.3% | -984.3% | +58.1% | −73% / −95% |
| SGRXSangrix Inc. | 40.8 m | — | -300.3% | -36,190.3% | −98.6% | −99% / −100% |
| AVXAvax One Technology Ltd. | 34.9 m | — | -189.6% | -1,533.9% | +8,709.3% | −80% / −100% |
1- and 3-year price returns: for SYF from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
Synchrony Financial is a consumer financial services company offering private label credit cards, co-branded cards and installment loans through retail, digital and healthcare partners. In the third quarter of 2026 the company reported purchase volume growth to 49.7 billion USD 2, while net earnings fell to 892 million USD 2 and loan receivables reached 103.3 billion USD 1.
SWOT
Strengths
- A stable, low-cost deposit base supports credit funding, and a diversified partner network reduces dependence on any single retailer 1.
- Five integrated sales platforms give broad coverage of consumer categories, from home and auto to healthcare 1.
- The company returned significant capital to shareholders in the third quarter, reflecting its cash generation capacity 2.
Weaknesses
- The net interest margin fell and return on equity declined compared with the prior year 2.
- Operating expenses rose, mainly due to higher operational losses, technology investment and marketing 2.
- Net earnings fell in the third quarter from the prior year, showing earnings sensitivity to costs and provisions 2.
Opportunities
Risks
- Credit riskhigh
A deterioration in card portfolio quality could raise losses and provisions, especially if consumers reduce their payments.
- Interest rate and funding riskmedium
Changes in the interest rate environment could compress the net interest margin and raise deposit costs.
- Partner dependencemedium
Non-renewal or termination of partner programs could reduce activity in certain platforms.
- Operational and technology riskmedium
Rising operational losses and technology spending could weigh on results if they do not deliver returns.
- Capital risklow
A lower CET1 ratio could limit the capacity to return capital to shareholders.
Investment thesis
What would need to be true (bull case)
- Purchase volume grew in the third quarter and spending outside partners rose at double-digit rates, suggesting a usage advantage.
- Portfolio quality improved, with lower net losses and delinquencies, which could support earnings if the trend continues.
- The deposit base and integration with new payment platforms could create a more resilient and scalable model.
What would break the thesis
- The net interest margin and return on equity declined, and net earnings were lower than in the prior year.
- Operating expenses increased, and technology and marketing costs could continue to weigh on profitability.
- Competition from pay-over-time providers could limit growth in loan balances in the coming years.
What to watch
- Trend in net interest margin and deposit costsQ4 2026
- Level of provisions and net credit lossesQ4 2026
- Progress of AI agent integrations and new payment partnerships2027
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
Synchrony runs a single business segment, mainly through its wholly-owned bank, which provides credit products and FDIC-insured deposit products 1. Operations are aligned through five sales platforms organised by partner type, and profitability, funding costs, credit losses and operating expenses are managed for the business as a whole 1. Deposits made up 83% of funding sources at 30 September 2026 1, supporting a stable and lower-cost funding base.
Segments
Home & Auto
The Home & Auto platform provides payment and financing solutions for home improvement, furniture, electronics and automotive partners, including the Synchrony Car Care network 1. In the third quarter of 2026 purchase volume in this platform rose, driven by new programs and higher gas prices 2.
Market context
The consumer credit market through retailers and digital partners is competitive, and Synchrony builds its position on a broad partner base and purchase volume that reached 142.5 billion USD in the first nine months of 2026 1. Loan receivables of 103.3 billion USD 1 show the scale of the business, while co-branded cards represent 35% of the portfolio 1.
Trends
- Growing out-of-partner card spendingtailwind
Discretionary and non-discretionary spending outside partners rose at double-digit rates in the third quarter, led by electronics and gas stations, which could sustain purchase volume if the pattern continues.
- Pressure on interest marginsheadwind
The net interest margin fell in the third quarter and return on equity declined, which could limit earnings if the pressure persists.
- Investment in digital and agentic paymentsmixed
The company is investing in point-of-sale, digital wallets and agentic purchasing paths, which could widen customer reach but also raises operating costs.
- Lower credit lossestailwind
Net charge-offs declined year on year and delinquency indicators improved, supporting portfolio quality if the trend holds.
Competitive position
Synchrony competes with other private label and co-branded card issuers, as well as digital payment providers offering point-of-sale financing. Its advantage lies in exclusive partnerships and a deposit base that lowers funding costs 1.
- PayPalPYPL
Digital payment provider that is a Synchrony partner in the Digital platform and also a competitor for point-of-sale financing.
- AmazonAMZN
Online marketplace that is both a partner and a strong player in financing its own customers.
- AffirmAFRM
Pay-over-time provider that competes directly for smaller consumer installment loans at checkout.
- Capital OneCOF
Card issuer with banking operations that competes for the same consumer customers.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
- Is Synchrony Financial Stock Underperforming the Nasdaq?Yahoo Finance — News · 21 Sept 2026 · EN
- Behavioral similarity likely drives interbrain neural synchronyPNAS · 21 Sept 2026 · EN
- Synchrony Financial Sees Resilient Spending, Reaffirms Receivables Growth OutlookYahoo Finance — News · 20 Sept 2026 · EN
- Neocortical long-range inhibition promotes cortical synchrony and sleepNature · 09 Sept 2026 · EN
- Credit card issuer Synchrony announces partnership with OpenAICNBC World · 18 Aug 2026 · EN
- Synchrony, credit card issuer to Amazon and Walmart, partners with OpenAI for ChatGPT shoppingCNBC World · 17 Aug 2026 · EN
The latest news item in our archive is from 21 Sept 2026; the newest SEC filing is from 22 Oct 2026. The press archive comes from the RSS feeds we follow and does not necessarily cover the latest event — the filings alongside do.
SEC filings
- Quarterly report22 Oct 2026
- Current report20 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Current report20 Oct 2026Results of operations · Financial statements and exhibits
- Current report14 Sept 2026Regulation FD disclosure · Financial statements and exhibits
- Current report17 Aug 2026Results of operations · Financial statements and exhibits
- Current report31 Jul 2026Other events · Financial statements and exhibits
- Quarterly report23 Jul 2026
- Current report21 Jul 2026Regulation FD disclosure · Financial statements and exhibits
- Current report21 Jul 2026Results of operations · Financial statements and exhibits
- Current report29 Jun 2026Departure or appointment of officers · Regulation FD disclosure · Financial statements and exhibits
Sources
- [1] Form 10-Q, quarter ended 2026-09-30 · SEC / Synchrony Financial · 22 Oct 2026
- [2] Form 8-K, results release (exhibit 99.1) · SEC / Synchrony Financial · 20 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.