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SYF · Synchrony Financial
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SYF Synchrony Financial (SYF) Insider Trading, Ownership & Congress Trades

Financial Services · Finance services · CIK 0001601712
Quote by TradingView
Form 144 · 4
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
532
13F, latest reported quarter
Conversions, 180 days
3
Codes C/M, not in net · $767.8K priced

What the filings say about SYF

Insiders, 180 days
-$5.9M net sold
6 sellers · 0% of sales under a 10b5-1 plan
Congress, 1 year
0 bought · 1 sold
Latest: sale, 2026-04-09
Planned sales (Form 144), 90 days
$538.6K
4 notices

Synchrony Financial insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, Synchrony Financial insiders sold a net $5.9M of stock across 123 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.

Insider
Filed
Shares
Value
Since filing
Casellas Alberto
See remarks
SELL
2026-08-17 SECtraded 2026-08-13
5,456
$436.5K
-7.1%
Context
  • 9 earlier Form 4 trades (code P or S) here by this insider (9 sales), the last on May 1, 2026.
  • The trade is 10.8% of the 50,512 shares held after it.
  • 3 other insiders sold within 30 days.
  • 532 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: See remarks Casellas Alberto sold about $436.5K of SYF on Aug 13, 2026; 3 other insiders sold within 30 days and 532 funds added in the latest 13F quarter.
Owens Darrell
See remarks
SELL
2026-08-04 SECtraded 2026-08-03
610
$46.8K
-5.6%
Context
  • 5 earlier Form 4 trades (code P or S) here by this insider (5 sales), the last on Mar 2, 2026.
  • The trade is 3.7% of the 16,410 shares held after it.
  • 3 other insiders sold within 30 days.
  • 532 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: See remarks Owens Darrell sold about $46.8K of SYF on Aug 3, 2026; 3 other insiders sold within 30 days and 532 funds added in the latest 13F quarter.
Gentleman Courtney
See remarks
SELL
2026-08-04 SECtraded 2026-08-03
721
$55.3K
-5.6%
Context
  • 4 earlier Form 4 trades (code P or S) here by this insider (4 sales), the last on Mar 2, 2026.
  • The trade is 3.9% of the 18,620 shares held after it.
  • 3 other insiders sold within 30 days.
  • 532 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: See remarks Gentleman Courtney sold about $55.3K of SYF on Aug 3, 2026; 3 other insiders sold within 30 days and 532 funds added in the latest 13F quarter.
COVIELLO ARTHUR W JR
Director
SELL
2026-08-04 SECtraded 2026-08-03
4,000
$308.7K
-5.6%
Context
  • 3 earlier Form 4 trades (code P or S) here by this insider (3 sales), the last on May 1, 2026.
  • The trade is 15.3% of the 26,144 shares held after it.
  • 3 other insiders sold within 30 days.
  • 532 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director COVIELLO ARTHUR W JR sold about $308.7K of SYF on Aug 3, 2026; 3 other insiders sold within 30 days and 532 funds added in the latest 13F quarter.
MOTHNER JONATHAN S
See remarks
SELL
2026-05-19 SECtraded 2026-05-15
11,258
$801.9K
+4.3%
Context
  • 11 earlier Form 4 trades (code P or S) here by this insider (11 sales), the last on Nov 17, 2025.
  • The trade is 8.5% of the 132,664 shares held after it.
  • 3 other insiders sold within 30 days.
  • 532 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: See remarks MOTHNER JONATHAN S sold about $801.9K of SYF on May 15, 2026; 3 other insiders sold within 30 days and 532 funds added in the latest 13F quarter.
123 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
See all insider buying · insider selling
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Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net -$5.9M over 180 days
-$847.3K over 90 days
below 72% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
532 funds bought in last quarter
more than 93% of Financial Services
Revenue
no revenue reported in any filing
Margin
no margin: no revenue reported
Buybacks
$2.9B repurchased, FY to 2026-09-30
more than 96% of Financial Services
Short interest
5.6% of the float short (float per yahoo 2026-10-26) · 5.7 days to cover · settled 2026-09-30
more than 74% of Financial Services
What changed in the last 30 days
Nothing new filed in the last 30 days

Watch SYF

A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.

The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+3.9%12M
-12%-1%+10%+21%2025-102025-122026-022026-042026-062026-082026-10 2026-03-02 · DOUBLES BRIAN D sold $10.3M2026-02-02 · Howse Curtis sold $3.8M2026-03-03 · Wenzel Brian J. Sr. sold $3.2M2026-02-17 · Juel Carol sold $3.1M2026-02-17 · Casellas Alberto sold $2.9M2026-05-15 · MOTHNER JONATHAN S sold $2.8M2026-03-02 · DOUBLES BRIAN D sold $2.7M2026-02-17 · Schaller Bart sold $2.5M2026-03-02 · DOUBLES BRIAN D sold $1.9M2025-11-17 · MOTHNER JONATHAN S sold $1.5M2026-03-02 · Wenzel Brian J. Sr. sold $1.3M2026-03-02 · Juel Carol sold $1.1M2026-03-02 · Casellas Alberto sold $975.0K2025-11-03 · Howse Curtis sold $894.6K2026-03-02 · Schaller Bart sold $878.9K2025-11-17 · MOTHNER JONATHAN S sold $873.6K2026-02-17 · Gentleman Courtney sold $850.4K2026-05-15 · MOTHNER JONATHAN S sold $801.9K2026-02-17 · Owens Darrell sold $727.5K2026-05-01 · Howse Curtis sold $645.8K2025-11-03 · COVIELLO ARTHUR W JR sold $591.4K2026-03-02 · Howse Curtis sold $533.7K2026-05-01 · Casellas Alberto sold $443.5K2026-08-13 · Casellas Alberto sold $436.5K2026-08-03 · COVIELLO ARTHUR W JR sold $308.7K2026-05-01 · COVIELLO ARTHUR W JR sold $306.2K2026-03-02 · Gentleman Courtney sold $293.7K2026-02-02 · COVIELLO ARTHUR W JR sold $289.3K2026-03-02 · Owens Darrell sold $261.7K2025-11-03 · Owens Darrell sold $221.2K2026-08-03 · Gentleman Courtney sold $55.3K2026-08-03 · Owens Darrell sold $46.8K2026-08-13 · Casellas Alberto filed to sell $436.5K2026-08-03 · COVIELLO ARTHUR W JR filed to sell -2026-08-03 · Gentleman Courtney filed to sell $55.3K2026-08-03 · Owens Darrell filed to sell $46.8K
Insider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns SYF: institutional holders (13F)

13F holdings, latest reported quarter
BlackRock, Inc.
30,893,517 sh
$2.3B
VANGUARD CAPITAL MANAGEMENT LLC
22,013,925 sh
$1.7B
Capital World Investors
18,918,854 sh
$1.4B
VANGUARD PORTFOLIO MANAGEMENT LLC
18,090,018 sh
$1.4B
STATE STREET CORP
17,733,198 sh
$1.3B

Congress trades in SYF

STOCK Act disclosures, US House only, filed up to 45 days after the trade
Josh Gottheimer
Sold 2026-04-09 · disclosed 40 days later
$15,001 - $50,000
Julia Letlow
Bought 2025-07-02 · disclosed 195 days later
$1,001 - $15,000
All stocks members of Congress are buying · Every member's trades

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

SYF planned insider sales (Form 144)

Notice of intent to sell, filed before any sale
Casellas Alberto
Filed 2026-08-13
$436.5K
COVIELLO ARTHUR W JR
Filed 2026-08-03
-
Gentleman Courtney
Filed 2026-08-03
$55.3K
Owens Darrell
Filed 2026-08-03
$46.8K

SYF mutual fund holders (N-PORT)

Funds ranked by the share of their own portfolio in this stock (N-PORT).
Select FinTech Portfolio
$3.8M position · as of 2026-05-31
4.7%
FULLERTHALER BEHAVIORAL UNCONSTRAINED EQUITY
$41.0M position · as of 2026-06-30
4.3%
O'Shaughnessy Market Leaders Value Fund
$12.2M position · as of 2026-07-31
4.2%
Hennessy Large Cap Financial Fund
$1.1M position · as of 2026-07-31
3.6%
The Acquirers Fund
$1.1M position · as of 2026-07-31
3.3%
Leadershares Alphafactor Tactical Focused ETF
$2.0M position · as of 2026-07-31
3.2%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M · % is the share of the fund's own portfolio
Executive pay vs shareholder return · Mr. Doubles
CEO pay, headline and as actually paid, against the company's return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2024
$18.8M
$58.2M
$5.1M
+106%
+49%
2023
$19.2M
$23.7M
$5.2M
+19%
+23%
2022
$13.7M
$8.6M
$6.5M
-1%
-4%
2020
$12.9M
-$28.8K
$4.1M
+0%
+29%
Tagged by the company under SEC Item 402(v). Returns are cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $5.9M sold by insiders over 180 days, 532 funds added last quarter, $538.6K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
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MSTRCOINMORNUPSTIBKRCACCARESHOODRKTSCHWGSDAVE

SYF financials

Complaints, 90 days
3,831
+8.8% YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Free cash flow, TTM
n/a
capex not filed for the four quarters
Debt to equity
1.03x
long-term debt only, 2026-09-30; equity 2026-09-30
Cash flow to debt
0.56x
TTM operating cash flow over long-term debt only, 2026-09-30
Return on equity
+19.8%
TTM net income over average of 2025-09-30 and 2026-09-30
Return on assets
+2.8%
TTM net income over average of 2025-09-30 and 2026-09-30
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
P/E, trailing
7.79x
close 2026-10-26 over four quarters of diluted EPS, 2025-10-01 to 2026-09-30
Enterprise value
$24.4B
market value at close 2026-10-26 on 2026-10-16 shares, plus long-term debt only, 2026-09-30, minus cash 2026-09-30
FCF yield
n/a
capex not filed for the four quarters
PEG, trailing
1.58x
P/E over trailing EPS growth of 5%: four quarters to 2026-09-30 against the four to 2025-09-30
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Net income$3.6B$3.5B$2.2B$3.0B
EPS (diluted)9.288.555.196.15
Operating cash flow$9.9B$9.8B$8.6B$6.7B
Cash$15.0B$14.7B$14.3B$10.3B
Long-term debt$15.2B$15.5B$16.0B$14.2B
Buybacks$2.9B$1.0B$1.1B$3.3B
Dividends paid$427.0M$398.0M$406.0M$434.0M
SEC XBRL, fiscal years, as known on 2026-10-28

SYF Stock Sonar score 5/7 axes

Find similar shapesCompare

SYF ranks highest on profitability (71st percentile) and institutional and government (62nd), and lowest on insider conviction (12th), among Financial Services peers.

ProfitHealthInsidersInstitutionsRisk
Profitability
71
Inputs
  • Return on equity+19.8% · 75 pct, sector of 205
  • Return on assets+2.8% · 67 pct, sector of 266
  • Return on invested capitalfewer than four consecutive quarters of operating income
  • Return on capital employedfewer than four consecutive quarters of operating income
Financial health
54
Inputs
  • Debt to equity1.03x · 30 pct, sector of 181
  • Cash flow to debt0.56x · 79 pct, sector of 141
Insider conviction
12
Inputs
  • Net Form 4 buying (codes P and S), 180d-$5.9M · 25 pct, sector of 161
  • Insider buyers, 180d0 · 0 pct, sector of 165
Institutional and government
62
Inputs
  • Funds adding, latest quarter532 · 93 pct, sector of 278
  • Congress net buyers, 365d-1 · 10 pct, sector of 31
  • Federal contracts, 180dno federal contracts in 180 days
  • Lobbying spend, 4 quarters$2.2M · 82 pct, sector of 40
Risk and compliance
38
Inputs
  • Short interest, % of float+5.6% · 38 pct, sector of 390
  • Recalls per $1B revenue, 3yrevenue under $50M or not filed, so a count cannot be scaled to size
  • EPA cases per $1B revenue, 5yrevenue under $50M or not filed, so a count cannot be scaled to size
  • New text in Risk Factors, latest 10-Kneeds two 10-Ks with a Risk Factors section (not 20-F filers or stubs)
2 not measured: Growth, US patents
  • Growth needs 1 of 2 inputs, 0 present: no backlog line filed, or no year-earlier backlog; no revenue for this year and the year before
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

5 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

SYF filings, in plain words

Are Synchrony Financial insiders buying or selling SYF?

In the 180 days to 2026-10-28, Synchrony Financial insiders were net sellers, a net $5.9M across purchases and sales reported on Form 4, by 6 sellers.

Have members of Congress traded SYF?

Yes. In the year to 2026-10-28, 0 House members disclosed buying SYF and 1 House member disclosed selling it; the latest on record is a sale by Josh Gottheimer dated 2026-04-09.

Are there planned insider sales of SYF?

Yes. 4 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-28, covering $538.6K of stock; the latest, by Casellas Alberto, was filed 2026-08-13.

Read the full summary

In the 180 days to 2026-10-28, Synchrony Financial insiders were net sellers of SYF, a net $5.9M across purchases and sales reported on Form 4 by 6 sellers. None of the 9 insider sales was flagged as made under a Rule 10b5-1 plan. In the year to 2026-10-28, 0 members of Congress disclosed buying SYF and 1 member disclosed selling it; the latest on record is a sale by Josh Gottheimer dated 2026-04-09. Insiders filed 4 Form 144 notices of intent to sell in the 90 days to 2026-10-28, covering $538.6K of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.

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