Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
-0.66%
$80.46
0% positive prob.
5-Day Prediction
-2.80%
$78.73
0% positive prob.
20-Day Prediction
-8.29%
$74.28
0% positive prob.
SEC 8-K filings with transcript text
Aug 17, 2026 · 100% conf.
1D
-0.66%
$80.46
Act: -0.21%
5D
-2.80%
$78.73
20D
-8.29%
$74.28
syf-20260817
0001601712false00016017122026-08-172026-08-170001601712us-gaap:CommonStockMember2026-08-172026-08-170001601712us-gaap:SeriesAPreferredStockMember2026-08-172026-08-170001601712us-gaap:SeriesBPreferredStockMember2026-08-172026-08-17
Washington, D.C. 20549
PURSUANT TO SECTION 13 OR 15(d)
August 17, 2026
Date of Report
(Date of earliest event reported)
(Exact name of registrant as specified in its charter)
Delaware001-3656051-0483352
(State or other jurisdiction of incorporation)(Commission File Number)(I.R.S. Employer Identification No.)
777 Long Ridge Road
Stamford,Connecticut06902
(Address of principal executive offices)(Zip Code)
(203) 585-2400
(Registrant’s telephone number, including area code)
N/A
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities Registered Pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, par value $0.001 per shareSYFNew York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ASYFPrANew York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series BSYFPrBNew York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Item 7.01Regulation FD Disclosure.
The Company hereby furnishes the information in Exhibit 99.1 hereto, Monthly Charge-Off and Delinquency Statistics as of and for each of the thirteen months ended July 31, 2026.
The Company intends to continue to furnish these statistics on a monthly basis, noting that for the last month of each calendar quarter, the statistics will be furnished contemporaneously with the Company’s announcement of its financial results for such quarter.
The information contained in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1, is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly stated by specific reference in such filing.
Item 9.01Financial Statements and Exhibits.
(d) Exhibits
The following exhibits are being furnished as part of this report:
Number Description
99.1
Monthly Charge-off and Delinquency Statistics as of and for each of the thirteen months ended July 31, 2026
104The cover page from this Current Report on Form 8-K, formatted in Inline XBRL
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: August 17, 2026
By:
/s/ Jonathan Mothner
Name:
Jonathan Mothner
Title:
Executive Vice President, Chief Risk and Legal Officer
Jul 21, 2026 · 100% conf.
1D
-0.66%
$80.46
Act: -0.21%
5D
-2.80%
$78.73
20D
-8.29%
$74.28
syf-20260721
0001601712false00016017122026-07-212026-07-210001601712us-gaap:CommonStockMember2026-07-212026-07-210001601712us-gaap:SeriesAPreferredStockMember2026-07-212026-07-210001601712us-gaap:SeriesBPreferredStockMember2026-07-212026-07-21
Washington, D.C. 20549
PURSUANT TO SECTION 13 OR 15(d)
July 21, 2026
Date of Report
(Date of earliest event reported)
(Exact name of registrant as specified in its charter)
Delaware 001-36560 51-0483352
(State or other jurisdiction of incorporation) (Commission File Number) (I.R.S. Employer Identification No.)
777 Long Ridge Road
Stamford,Connecticut06902
(Address of principal executive offices) (Zip Code)
(203) 585-2400
(Registrant’s telephone number, including area code)
N/A
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities Registered Pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, par value $0.001 per shareSYFNew York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ASYFPrANew York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series BSYFPrBNew York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Item 2.02 Results of Operations and Financial Condition.
On July 21, 2026, Synchrony Financial (the “Company”) issued a press release setting forth the Company’s second quarter 2026 earnings. A copy of the Company’s press release is being furnished as Exhibit 99.1 and hereby incorporated by reference. The information furnished pursuant to this Item 2.02, including Exhibits, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits
The following exhibits are being furnished as part of this report:
Number Description
99.1
Press release, dated July 21, 2026, issued by Synchrony Financial
99.2
Financial Data Supplement of the Company for the quarter ended June 30, 2026
99.3
Financial Results Presentation of the Company for the quarter ended June 30, 2026
99.4
Explanation of Non-GAAP Measures
104The cover page from this Current Report on Form 8-K, formatted in Inline XBRL
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: July 21, 2026 By:
/s/ Jonathan Mothner
Name:
Jonathan Mothner
Title: Executive Vice President, Chief Risk and Legal Officer
Apr 21, 2026
syf-20260421
0001601712false00016017122026-04-212026-04-210001601712us-gaap:CommonStockMember2026-04-212026-04-210001601712us-gaap:SeriesAPreferredStockMember2026-04-212026-04-210001601712us-gaap:SeriesBPreferredStockMember2026-04-212026-04-21
Washington, D.C. 20549
PURSUANT TO SECTION 13 OR 15(d)
April 21, 2026
Date of Report
(Date of earliest event reported)
(Exact name of registrant as specified in its charter)
Delaware 001-36560 51-0483352
(State or other jurisdiction of incorporation) (Commission File Number) (I.R.S. Employer Identification No.)
777 Long Ridge Road
Stamford,Connecticut06902
(Address of principal executive offices) (Zip Code)
(203) 585-2400
(Registrant’s telephone number, including area code)
N/A
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities Registered Pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, par value $0.001 per shareSYFNew York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ASYFPrANew York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series BSYFPrBNew York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Item 2.02 Results of Operations and Financial Condition.
On April 21, 2026, Synchrony Financial (the “Company”) issued a press release setting forth the Company’s first quarter 2026 earnings. A copy of the Company’s press release is being furnished as Exhibit 99.1 and hereby incorporated by reference. The information furnished pursuant to this Item 2.02, including Exhibits, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits
The following exhibits are being furnished as part of this report:
Number Description
99.1
Press release, dated April 21, 2026, issued by Synchrony Financial
99.2
Financial Data Supplement of the Company for the quarter ended March 31, 2026
99.3
Financial Results Presentation of the Company for the quarter ended March 31, 2026
99.4
Explanation of Non-GAAP Measures
104The cover page from this Current Report on Form 8-K, formatted in Inline XBRL
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: April 21, 2026 By:
/s/ Jonathan Mothner
Name:
Jonathan Mothner
Title: Executive Vice President, Chief Risk and Legal Officer
This page provides Synchrony Financial (SYF) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on SYF's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.