Synchrony Financial (SYF)
Synchrony Financial on one page: short interest, daily short volume, fails to deliver, planned sales, large holders, 13F holders, financials, earnings dates and insider trades. Listed on NYSE, classified by the SEC as finance services.
16.4M
Short interest
settlement 2026-10-15
5.5
Days to cover
-0.2 days vs prior
74.8%
Short share of volume
2026-10-28
124
Fails to deliver
settlement 2026-09-25
Tue 26 Jan
Next earnings
estimated date
-$847K
Insider flow, 90 days
0 buys, 4 sells
As of 2026-10-28.
Short interest
FINRA, twice a month. The newest 48 settlements in the table, 48 in the chart. JSONAs of 15 October 2026, short interest in SYF is 16,434,441 shares, down 2,387,030 shares over the last month. Over the last 48 readings it ranged from 9,342,080 shares (31 January 2025) to 22,942,347 shares (29 May 2026). At the reported average volume of 3.0M shares a day that is 5.5 days to cover.
Embed this chart.The embed keeps its attribution line.
<iframe src="https://xoomar.com/embed/stocks/syf" width="100%" height="440" style="border:0;max-width:100%" loading="lazy" title="XOOMAR chart"></iframe>
| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-10-15 | 16,434,441 | -5.8% | 2,992,957 | 5.49 |
| 2026-09-30 | 17,451,121 | -7.3% | 3,076,317 | 5.67 |
| 2026-09-15 | 18,821,471 | +5.5% | 2,730,949 | 6.89 |
| 2026-08-31 | 17,840,145 | -0.6% | 3,750,269 | 4.76 |
| 2026-08-14 | 17,939,946 | -5.3% | 2,556,258 | 7.02 |
| 2026-07-31 | 18,945,815 | -2.2% | 4,264,442 | 4.44 |
| 2026-07-15 | 19,367,244 | +6.7% | 3,883,676 | 4.99 |
| 2026-06-30 | 18,154,332 | -14.5% | 3,811,454 | 4.76 |
| 2026-06-15 | 21,242,534 | -7.4% | 3,264,156 | 6.51 |
| 2026-05-29 | 22,942,347 | +10.2% | 4,249,489 | 5.40 |
| 2026-05-15 | 20,812,288 | +0.0% | 3,742,651 | 5.56 |
| 2026-04-30 | 20,808,305 | +42.0% | 4,493,720 | 4.63 |
| 2026-04-15 | 14,658,820 | +1.1% | 2,960,816 | 4.95 |
| 2026-03-31 | 14,495,914 | -6.6% | 4,009,129 | 3.62 |
| 2026-03-13 | 15,515,556 | +5.3% | 3,904,050 | 3.97 |
| 2026-02-27 | 14,731,523 | +2.7% | 4,947,966 | 2.98 |
| 2026-02-13 | 14,348,854 | +9.2% | 5,335,156 | 2.69 |
| 2026-01-30 | 13,143,709 | -27.1% | 6,411,685 | 2.05 |
| 2026-01-15 | 18,021,650 | +8.3% | 4,024,417 | 4.48 |
| 2025-12-31 | 16,633,689 | -9.9% | 2,644,671 | 6.29 |
| 2025-12-15 | 18,464,755 | -3.6% | 3,193,615 | 5.78 |
| 2025-11-28 | 19,152,016 | -4.7% | 4,054,614 | 4.72 |
| 2025-11-14 | 20,105,417 | +3.7% | 3,343,956 | 6.01 |
| 2025-10-31 | 19,393,535 | +12.0% | 3,277,157 | 5.92 |
| 2025-10-15 | 17,321,466 | +9.7% | 3,880,890 | 4.46 |
| 2025-09-30 | 15,791,552 | +3.5% | 3,572,084 | 4.42 |
| 2025-09-15 | 15,256,199 | +0.6% | 2,739,759 | 5.57 |
| 2025-08-29 | 15,168,874 | +4.4% | 2,697,295 | 5.62 |
| 2025-08-15 | 14,530,082 | +17.9% | 3,548,499 | 4.09 |
| 2025-07-31 | 12,318,847 | -10.5% | 3,743,669 | 3.29 |
| 2025-07-15 | 13,764,631 | -2.9% | 3,084,625 | 4.46 |
| 2025-06-30 | 14,169,114 | -8.8% | 3,539,726 | 4.00 |
| 2025-06-13 | 15,530,355 | +0.4% | 3,332,533 | 4.66 |
| 2025-05-30 | 15,466,844 | +0.6% | 3,188,682 | 4.85 |
| 2025-05-15 | 15,375,327 | -10.0% | 4,048,084 | 3.80 |
| 2025-04-30 | 17,084,687 | -4.6% | 4,710,055 | 3.63 |
| 2025-04-15 | 17,906,771 | +45.1% | 6,786,678 | 2.64 |
| 2025-03-31 | 12,341,465 | -2.7% | 4,412,275 | 2.80 |
| 2025-03-14 | 12,680,324 | -12.8% | 6,121,570 | 2.07 |
| 2025-02-28 | 14,535,996 | +16.8% | 3,834,603 | 3.79 |
| 2025-02-14 | 12,447,986 | +33.3% | 4,235,131 | 2.94 |
| 2025-01-31 | 9,342,080 | -11.5% | 4,057,295 | 2.30 |
| 2025-01-15 | 10,554,385 | -2.1% | 2,556,091 | 4.13 |
| 2024-12-31 | 10,776,942 | -8.0% | 3,403,713 | 3.17 |
| 2024-12-13 | 11,718,970 | -7.7% | 3,290,667 | 3.56 |
| 2024-11-29 | 12,693,784 | -11.4% | 3,282,587 | 3.87 |
| 2024-11-15 | 14,320,346 | +33.3% | 4,962,112 | 2.89 |
| 2024-10-31 | 10,740,432 | -14.7% | 3,629,512 | 2.96 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 28 October 2026, the short share of SYF volume is 74.8%, down 10.8 points over the last five sessions. Over the last 30 readings it ranged from 35.6% (14 October 2026) to 85.6% (21 October 2026). The latest reading is 4.3 points above the 30-session average of 70.5%, on 850K shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-10-28 | 636K | 850K | 74.8% | 304 |
| 2026-10-27 | 668K | 810K | 82.5% | 831 |
| 2026-10-26 | 848K | 1.0M | 83.1% | 149 |
| 2026-10-23 | 895K | 1.6M | 57.4% | 1,763 |
| 2026-10-22 | 821K | 1.1M | 76.8% | 92 |
| 2026-10-21 | 1.3M | 1.5M | 85.6% | 1,219 |
| 2026-10-20 | 1.6M | 2.3M | 71.7% | 152 |
| 2026-10-19 | 1.5M | 2.0M | 74.4% | 1,214 |
| 2026-10-16 | 740K | 1.1M | 64.7% | 0 |
| 2026-10-15 | 882K | 2.0M | 43.8% | 880 |
| 2026-10-14 | 717K | 2.0M | 35.6% | 252 |
| 2026-10-13 | 661K | 840K | 78.6% | 760 |
| 2026-10-12 | 553K | 841K | 65.8% | 31 |
| 2026-10-09 | 493K | 1.2M | 41.0% | 0 |
| 2026-10-08 | 880K | 1.2M | 75.0% | 337 |
| 2026-10-07 | 665K | 857K | 77.6% | 5,832 |
| 2026-10-06 | 314K | 511K | 61.5% | 2 |
| 2026-10-05 | 411K | 803K | 51.1% | 440 |
| 2026-10-02 | 948K | 1.2M | 81.2% | 626 |
| 2026-10-01 | 808K | 1.1M | 76.2% | 11,010 |
| 2026-09-30 | 863K | 1.1M | 81.9% | 0 |
| 2026-09-29 | 667K | 884K | 75.4% | 744 |
| 2026-09-28 | 473K | 660K | 71.7% | 1,180 |
| 2026-09-25 | 742K | 924K | 80.3% | 14 |
| 2026-09-24 | 471K | 933K | 50.5% | 6,032 |
| 2026-09-23 | 1.2M | 1.4M | 84.8% | 47 |
| 2026-09-22 | 759K | 887K | 85.6% | 21 |
| 2026-09-21 | 519K | 769K | 67.4% | 15 |
| 2026-09-18 | 595K | 741K | 80.3% | 248 |
| 2026-09-17 | 552K | 695K | 79.5% | 3,169 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 25 September 2026, the fails-to-deliver balance in SYF is 124 shares, down 46,988 shares over the last settlement date. Over the last 30 readings it ranged from 3 shares (15 April 2026) to 83,045 shares (9 July 2026). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-09-25 | 124 | $71.55 | $9K |
| 2026-09-24 | 47,112 | $70.67 | $3.3M |
| 2026-09-21 | 15,773 | $75.04 | $1.2M |
| 2026-09-15 | 983 | $75.88 | $75K |
| 2026-09-08 | 7,013 | $79.92 | $560K |
| 2026-08-24 | 300 | $79.47 | $24K |
| 2026-08-21 | 26,024 | $76.71 | $2.0M |
| 2026-08-20 | 26,529 | $79.62 | $2.1M |
| 2026-08-11 | 65 | $78.19 | $5K |
| 2026-08-10 | 5 | $78.59 | $393 |
| 2026-07-20 | 3,366 | $73.62 | $248K |
| 2026-07-09 | 83,045 | $68.26 | $5.7M |
| 2026-06-30 | 34,667 | $78.37 | $2.7M |
| 2026-06-29 | 849 | $78.66 | $67K |
| 2026-06-25 | 688 | $76.32 | $53K |
| 2026-06-22 | 45,967 | $75.26 | $3.5M |
| 2026-06-17 | 570 | $75.29 | $43K |
| 2026-06-15 | 3,331 | $73.36 | $244K |
| 2026-06-12 | 70,665 | $72.33 | $5.1M |
| 2026-06-09 | 2,498 | $70.55 | $176K |
| 2026-06-02 | 72,002 | $70.82 | $5.1M |
| 2026-05-26 | 288 | $71.83 | $21K |
| 2026-05-20 | 524 | $69.39 | $36K |
| 2026-05-15 | 78,948 | $71.26 | $5.6M |
| 2026-05-14 | 2,562 | $69.81 | $179K |
| 2026-05-04 | 6 | $75.76 | $455 |
| 2026-04-22 | 70,408 | $77.63 | $5.5M |
| 2026-04-20 | 4,928 | $78.34 | $386K |
| 2026-04-16 | 502 | $75.99 | $38K |
| 2026-04-15 | 3 | $75.55 | $227 |
Insider trades
SEC Form 4, newest first. JSONInsiders at SYF reported 4 open-market sells worth $847K in the last 90 days and no open-market buys. Latest filing: Zane Ellen M (Director) on 2026-09-30.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-09-30 | Zane Ellen M | Director | Grant | 846 | $70.97 | $60K | 33K |
| 2026-09-30 | Richie Laurel | Director | Grant | 846 | $70.97 | $60K | 53K |
| 2026-09-30 | Parker P.W. | Director | Grant | 846 | $70.97 | $60K | 35K |
| 2026-09-30 | NAYLOR JEFFREY G | Director | Grant | 1K | $70.97 | $91K | 67K |
| 2026-09-30 | GUTHRIE ROY A | Director | Grant | 846 | $70.97 | $60K | 42K |
| 2026-09-30 | ELLINGER DEBORAH G | Director | Grant | 846 | $70.97 | $60K | 3K |
| 2026-09-30 | Chytil Kamila K | Director | Grant | 846 | $70.97 | $60K | 19K |
| 2026-09-30 | COVIELLO ARTHUR W JR | Director | Grant | 846 | $70.97 | $60K | 27K |
| 2026-09-30 | COLAO DANIEL O | Director | Grant | 846 | $70.97 | $60K | 7K |
| 2026-09-30 | Alves Paget Leonard | Director | Grant | 846 | $70.97 | $60K | 53K |
| 2026-09-30 | AGUIRRE FERNANDO | Director | Grant | 846 | $70.97 | $60K | 31K |
| 2026-08-17 | Tiliakos Amy | See remarks | Grant | 49 | $80.75 | $4K | 20K |
| 2026-08-17 | Wenzel Brian J. Sr. | See remarks | Grant | 272 | $80.75 | $22K | 65K |
| 2026-08-17 | Zane Ellen M | Director | Grant | 14 | $80.75 | $1K | 32K |
| 2026-08-17 | Richie Laurel | Director | Grant | 138 | $80.75 | $11K | 52K |
| 2026-08-17 | Parker P.W. | Director | Grant | 14 | $80.75 | $1K | 34K |
| 2026-08-17 | Owens Darrell | See remarks | Grant | 70 | $80.75 | $6K | 16K |
| 2026-08-17 | NAYLOR JEFFREY G | Director | Grant | 203 | $80.75 | $16K | 66K |
| 2026-08-17 | MOTHNER JONATHAN S | See remarks | Grant | 218 | $80.75 | $18K | 133K |
| 2026-08-17 | Juel Carol | See remarks | Grant | 218 | $80.75 | $18K | 52K |
| 2026-08-17 | Howse Curtis | See remarks | Grant | 182 | $80.75 | $15K | 87K |
| 2026-08-17 | Gentleman Courtney | See remarks | Grant | 79 | $80.75 | $6K | 19K |
| 2026-08-17 | GUTHRIE ROY A | Director | Grant | 156 | $80.75 | $13K | 41K |
| 2026-08-17 | ELLINGER DEBORAH G | Director | Grant | 10 | $80.75 | $808 | 2K |
| 2026-08-17 | DOUBLES BRIAN D | See remarks | Grant | 1K | $80.75 | $81K | 829K |
| 2026-08-17 | Chytil Kamila K | Director | Grant | 14 | $80.75 | $1K | 18K |
| 2026-08-17 | Casellas Alberto | See remarks | Grant | 182 | $80.75 | $15K | 51K |
| 2026-08-17 | COVIELLO ARTHUR W JR | Director | Small acquisition | 11 | $80.60 | $887 | 26K |
| 2026-08-17 | COVIELLO ARTHUR W JR | Director | Grant | 14 | $80.75 | $1K | 26K |
| 2026-08-17 | COLAO DANIEL O | Director | Grant | 14 | $80.75 | $1K | 6K |
| 2026-08-17 | Alves Paget Leonard | Director | Grant | 157 | $80.75 | $13K | 53K |
| 2026-08-17 | AGUIRRE FERNANDO | Director | Grant | 14 | $80.75 | $1K | 30K |
| 2026-08-13 | Casellas Alberto | See remarks | Sell | 5K | $80.00 | $436K | 51K |
| 2026-08-13 | Casellas Alberto | See remarks | Exercise or conversion | 5K | $33.53 | $183K | 56K |
| 2026-08-03 | Owens Darrell | See remarks | Sell | 610 | $76.73 | $47K | 16K |
| 2026-08-03 | Gentleman Courtney | See remarks | Sell | 721 | $76.73 | $55K | 19K |
| 2026-08-03 | COVIELLO ARTHUR W JR | Director | Sell | 4K | $77.17 | $309K | 26K |
| 2026-07-31 | Tiliakos Amy | See remarks | Tax withholding | 2K | $75.79 | $132K | 20K |
| 2026-07-31 | Owens Darrell | See remarks | Tax withholding | 486 | $75.79 | $37K | 17K |
| 2026-07-31 | Gentleman Courtney | See remarks | Tax withholding | 574 | $75.79 | $44K | 19K |
| 2026-07-28 | DOUBLES BRIAN D | See remarks | Tax withholding | 2K | $77.12 | $181K | 828K |
| 2026-06-30 | Zane Ellen M | Director | Grant | 789 | $76.05 | $60K | 32K |
| 2026-06-30 | Richie Laurel | Director | Grant | 789 | $76.05 | $60K | 52K |
| 2026-06-30 | Parker P.W. | Director | Grant | 789 | $76.05 | $60K | 34K |
| 2026-06-30 | NAYLOR JEFFREY G | Director | Grant | 1K | $76.05 | $91K | 65K |
| 2026-06-30 | GUTHRIE ROY A | Director | Grant | 789 | $76.05 | $60K | 41K |
| 2026-06-30 | ELLINGER DEBORAH G | Director | Grant | 789 | $76.05 | $60K | 2K |
| 2026-06-30 | Chytil Kamila K | Director | Grant | 789 | $76.05 | $60K | 18K |
| 2026-06-30 | COVIELLO ARTHUR W JR | Director | Grant | 789 | $76.05 | $60K | 30K |
| 2026-06-30 | COLAO DANIEL O | Director | Grant | 789 | $76.05 | $60K | 6K |
| 2026-06-30 | Alves Paget Leonard | Director | Grant | 789 | $76.05 | $60K | 52K |
| 2026-06-30 | AGUIRRE FERNANDO | Director | Grant | 789 | $76.05 | $60K | 30K |
| 2026-05-15 | Tiliakos Amy | See remarks | Grant | 72 | $71.38 | $5K | 22K |
| 2026-05-15 | Wenzel Brian J. Sr. | See remarks | Grant | 270 | $71.38 | $19K | 64K |
| 2026-05-15 | Zane Ellen M | Director | Grant | 14 | $71.38 | $999 | 31K |
| 2026-05-15 | Schaller Bart | See remarks | Grant | 143 | $71.38 | $10K | 34K |
| 2026-05-15 | Richie Laurel | Director | Grant | 135 | $71.38 | $10K | 51K |
| 2026-05-15 | Parker P.W. | Director | Grant | 14 | $71.38 | $999 | 34K |
| 2026-05-15 | Owens Darrell | See remarks | Grant | 74 | $71.38 | $5K | 18K |
| 2026-05-15 | NAYLOR JEFFREY G | Director | Grant | 197 | $71.38 | $14K | 64K |
| 2026-05-15 | MOTHNER JONATHAN S | See remarks | Sell | 11K | $71.23 | $802K | 133K |
| 2026-05-15 | MOTHNER JONATHAN S | See remarks | Exercise or conversion | 11K | $34.30 | $386K | 144K |
| 2026-05-15 | MOTHNER JONATHAN S | See remarks | Sell | 40K | $71.23 | $2.8M | 133K |
| 2026-05-15 | MOTHNER JONATHAN S | See remarks | Grant | 217 | $71.38 | $15K | 173K |
| 2026-05-15 | Juel Carol | See remarks | Grant | 217 | $71.38 | $15K | 52K |
| 2026-05-15 | Howse Curtis | See remarks | Grant | 181 | $71.38 | $13K | 87K |
| 2026-05-15 | Gentleman Courtney | See remarks | Grant | 84 | $71.38 | $6K | 20K |
| 2026-05-15 | GUTHRIE ROY A | Director | Grant | 152 | $71.38 | $11K | 40K |
| 2026-05-15 | ELLINGER DEBORAH G | Director | Grant | 7 | $71.38 | $500 | 2K |
| 2026-05-15 | DOUBLES BRIAN D | See remarks | Grant | 1K | $71.38 | $73K | 830K |
| 2026-05-15 | Chytil Kamila K | Director | Grant | 14 | $71.38 | $999 | 17K |
| 2026-05-15 | Casellas Alberto | See remarks | Grant | 181 | $71.38 | $13K | 51K |
| 2026-05-15 | COVIELLO ARTHUR W JR | Director | Grant | 14 | $71.38 | $999 | 29K |
| 2026-05-15 | COLAO DANIEL O | Director | Grant | 14 | $71.38 | $999 | 5K |
| 2026-05-15 | Alves Paget Leonard | Director | Grant | 153 | $71.38 | $11K | 52K |
| 2026-05-15 | AGUIRRE FERNANDO | Director | Grant | 14 | $71.38 | $999 | 29K |
| 2026-05-01 | Howse Curtis | See remarks | Sell | 8K | $76.55 | $646K | 86K |
| 2026-05-01 | Casellas Alberto | See remarks | Sell | 6K | $76.55 | $444K | 50K |
| 2026-05-01 | Casellas Alberto | See remarks | Exercise or conversion | 6K | $34.30 | $199K | 56K |
| 2026-05-01 | COVIELLO ARTHUR W JR | Director | Sell | 4K | $76.55 | $306K | 29K |
| 2026-03-31 | Zane Ellen M | Director | Grant | 883 | $68.02 | $60K | 31K |
| 2026-03-31 | Richie Laurel | Director | Grant | 883 | $68.02 | $60K | 51K |
| 2026-03-31 | Parker P.W. | Director | Grant | 883 | $68.02 | $60K | 34K |
| 2026-03-31 | NAYLOR JEFFREY G | Director | Grant | 1K | $68.02 | $91K | 64K |
| 2026-03-31 | GUTHRIE ROY A | Director | Grant | 883 | $68.02 | $60K | 40K |
| 2026-03-31 | ELLINGER DEBORAH G | Director | Grant | 883 | $68.02 | $60K | 2K |
| 2026-03-31 | Chytil Kamila K | Director | Grant | 883 | $68.02 | $60K | 17K |
| 2026-03-31 | COVIELLO ARTHUR W JR | Director | Grant | 883 | $68.02 | $60K | 33K |
| 2026-03-31 | COLAO DANIEL O | Director | Grant | 883 | $68.02 | $60K | 5K |
| 2026-03-31 | Alves Paget Leonard | Director | Grant | 883 | $68.02 | $60K | 51K |
| 2026-03-31 | AGUIRRE FERNANDO | Director | Grant | 883 | $68.02 | $60K | 29K |
| 2026-03-03 | Wenzel Brian J. Sr. | See remarks | Sell | 47K | $67.16 | $3.2M | 64K |
| 2026-03-02 | Wenzel Brian J. Sr. | See remarks | Sell | 20K | $67.71 | $1.3M | 111K |
| 2026-03-02 | Schaller Bart | See remarks | Sell | 13K | $67.71 | $879K | 34K |
| 2026-03-02 | Owens Darrell | See remarks | Sell | 4K | $67.71 | $262K | 17K |
| 2026-03-02 | Juel Carol | See remarks | Sell | 17K | $67.71 | $1.1M | 51K |
| 2026-03-02 | Howse Curtis | See remarks | Sell | 8K | $67.71 | $534K | 95K |
| 2026-03-02 | Gentleman Courtney | See remarks | Sell | 4K | $67.71 | $294K | 20K |
| 2026-03-02 | DOUBLES BRIAN D | See remarks | Sell | 28K | $67.96 | $1.9M | 829K |
| 2026-03-02 | DOUBLES BRIAN D | See remarks | Exercise or conversion | 28K | $34.30 | $976K | 858K |
Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are rarer.
Planned sales (Form 144)
Newest first. JSON29 Form 144 notices on file for SYF worth $25.29B at the prices reported; 4 in the last 90 days worth $25.24B. Latest: Casellas Alberto filed on 2026-08-13 to sell 5,456 shares ($436K) from 2026-08-13.
| Filed | Seller | Shares | Market value | Of outstanding | Sale from | Broker |
|---|---|---|---|---|---|---|
| 2026-08-13 | Casellas AlbertoOfficer | 5K | $436K | 0.002% | 2026-08-13 | Fidelity Brokerage Services LLC |
| 2026-08-03 | Owens DarrellOfficer | 610 | $47K | 0.000% | 2026-08-03 | Fidelity Brokerage Services LLC |
| 2026-08-03 | Gentleman CourtneyOfficer | 721 | $55K | 0.000% | 2026-08-03 | Fidelity Brokerage Services LLC |
| 2026-08-03 | COVIELLO ARTHUR W JRDirector | 4K | $25.24B | 0.001% | 2026-08-03 | Raymond James and Associates Inc. |
| 2026-05-15 | MOTHNER JONATHAN SOfficer | 51K | $3.7M | 0.015% | 2026-05-15 | Fidelity Brokerage Services LLC |
| 2026-05-01 | Howse CurtisOfficer | 8K | $646K | 0.003% | 2026-05-01 | Fidelity Brokerage Services LLC |
| 2026-05-01 | Casellas AlbertoOfficer | 6K | $444K | 0.002% | 2026-05-01 | Fidelity Brokerage Services LLC |
| 2026-05-01 | COVIELLO ARTHUR W JRDirector | 4K | $306K | 0.001% | 2026-05-01 | Raymond James & Associates |
| 2026-03-03 | Wenzel Brian J. Sr.Officer | 47K | $3.2M | 0.014% | 2026-03-03 | Fidelity Brokerage Services LLC |
| 2026-03-02 | Wenzel Brian J. Sr.Officer | 20K | $1.3M | 0.006% | 2026-03-02 | Fidelity Brokerage Services LLC |
| 2026-03-02 | Schaller BartOfficer | 13K | $879K | 0.004% | 2026-03-02 | Fidelity Brokerage Services LLC |
| 2026-03-02 | Owens DarrellOfficer | 4K | $262K | 0.001% | 2026-03-02 | Fidelity Brokerage Services LLC |
| 2026-03-02 | Juel CarolOfficer | 17K | $1.1M | 0.005% | 2026-03-02 | Fidelity Brokerage Services LLC |
| 2026-03-02 | Howse CurtisOfficer | 8K | $534K | 0.002% | 2026-03-02 | Fidelity Brokerage Services LLC |
| 2026-03-02 | Gentleman CourtneyOfficer | 4K | $294K | 0.001% | 2026-03-02 | Fidelity Brokerage Services LLC |
| 2026-03-02 | DOUBLES BRIAN DOfficer, Director | 218K | $14.7M | 0.063% | 2026-03-02 | Fidelity Brokerage Services LLC |
| 2026-03-02 | Casellas AlbertoOfficer | 14K | $975K | 0.004% | 2026-03-02 | Fidelity Brokerage Services LLC |
| 2026-02-17 | Schaller BartOfficer | 35K | $2.5M | 0.010% | 2026-02-17 | Fidelity Brokerage Services LLC |
| 2026-02-17 | Owens DarrellOfficer | 10K | $727K | 0.003% | 2026-02-17 | Fidelity Brokerage Services LLC |
| 2026-02-17 | Juel CarolOfficer | 44K | $3.1M | 0.013% | 2026-02-17 | Fidelity Brokerage Services LLC |
| 2026-02-17 | Gentleman CourtneyOfficer | 12K | $850K | 0.003% | 2026-02-17 | Fidelity Brokerage Services LLC |
| 2026-02-17 | Casellas AlbertoOfficer | 42K | $2.9M | 0.012% | 2026-02-17 | Fidelity Brokerage Services LLC |
| 2026-02-02 | Howse CurtisOfficer | 53K | $3.8M | 0.015% | 2026-02-02 | Fidelity Brokerage Services LLC |
| 2026-02-02 | COVIELLO ARTHUR W JRDirector | 4K | $291K | 0.001% | 2026-02-02 | Raymond James & Associates |
| 2025-11-19 | COVIELLO ARTHUR W JRDirector | 8K | $591K | 0.002% | 2025-11-03 | Raymond James & Associates |
| 2025-11-17 | MOTHNER JONATHAN SOfficer | 32K | $2.3M | 0.009% | 2025-11-17 | Fidelity Brokerage Services LLC |
| 2025-11-03 | Owens DarrellOfficer | 3K | $221K | 0.001% | 2025-11-03 | Fidelity Brokerage Services LLC |
| 2025-11-03 | Howse CurtisOfficer | 12K | $895K | 0.003% | 2025-11-03 | Fidelity Brokerage Services LLC |
| 2025-11-03 | COVIELLO ARTHUR W JRDirector | 800 | $591K | 0.000% | 2025-11-03 | Raymond James & Associates |
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSON4 holders report 5% or more of SYF in their latest filing, all on Schedule 13G (passive). The largest reported stake is Vanguard Capital Management at 7.5% of the class (26,175,892 shares), filed 2026-04-30 for an event on 2026-03-31.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-08-12 | 13G/Ano. 6 | Capital World Investorsinvestment adviser | 19.0M | 5.6% | 2026-06-30 |
| 2026-04-30 | 13G | Vanguard Capital Managementinvestment adviser | 26.2M | 7.5% | 2026-03-31 |
| 2026-04-29 | 13G | Vanguard Portfolio Managementinvestment adviser | 18.7M | 5.4% | 2026-03-31 |
| 2026-03-27 | 13G/Ano. 10 | The Vanguard Groupinvestment adviser | 0 | 0.0% | 2026-03-13 |
| 2025-11-10 | 13G | STATE STREET CORPORATIONparent holding company | 19.1M | 5.1% | 2025-09-30 |
13F holders
Tracked managers holding SYF at their latest 13F. JSON7 of the 30 tracked managers held SYF at their latest 13F, $364.0M in total at quarter-end prices. AQR Capital Management is the largest at $271.1M (0.1% of its portfolio) as of 2026-06-30. Over the prior quarter 3 added shares and 4 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| AQR Capital Management | 2026-06-30 | 3.6M | $271.1M | 0.09% | -921K |
| Two Sigma Investments | 2026-06-30 | 546K | $41.5M | 0.03% | +214K |
| Millennium Management | 2026-06-30 | 306K | $23.3M | 0.01% | -780K |
| Citadel Advisors | 2026-06-30 | 168K | $12.8M | 0.00% | -281K |
| Bridgewater Associates | 2026-06-30 | 154K | $11.7M | 0.05% | new |
| Fisher Asset Management | 2026-06-30 | 38K | $2.9M | 0.00% | +7K |
| D. E. Shaw & Co. | 2026-06-30 | 10K | $723K | 0.00% | -13K |
Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.
Financials
SEC XBRL, as filed. JSONIn FY 2025 it generated $9.85B of operating cash flow and spent $2.94B on buybacks and $427.0M on dividends. As of 2026-09-30, cash was $15.90B against $17.02B of debt.
- Cash
- $15.90B
- Debt
- $17.02B
- Equity
- $16.55B
- Total assets
- $122.47B
- Shares outstanding
- 311,404,854
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q3 FY 2026 | 2026-09-30 | n/a | $892.0M | n/a | 2.68 |
| Q2 FY 2026 | 2026-06-30 | n/a | $885.0M | n/a | 2.59 |
| Q1 FY 2026 | 2026-03-31 | n/a | $805.0M | n/a | 2.27 |
| Q4 FY 2025derived | 2025-12-31 | n/a | $751.0M | n/a | n/a |
| Q3 FY 2025 | 2025-09-30 | n/a | $1.08B | n/a | 2.86 |
| Q2 FY 2025 | 2025-06-30 | n/a | $967.0M | n/a | 2.50 |
| Q1 FY 2025 | 2025-03-31 | n/a | $757.0M | n/a | 1.89 |
| Q4 FY 2024derived | 2024-12-31 | n/a | $774.0M | n/a | n/a |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | n/a | $3.55B | $9.85B | n/a | $2.94B | $427.0M |
| FY 2024 | 2024-12-31 | n/a | $3.50B | $9.85B | n/a | $1.01B | $398.0M |
| FY 2023 | 2023-12-31 | n/a | $2.24B | $8.59B | n/a | $1.11B | $406.0M |
| FY 2022 | 2022-12-31 | n/a | $3.02B | $6.69B | n/a | $3.32B | $434.0M |
| FY 2021 | 2021-12-31 | n/a | $4.22B | $7.10B | n/a | $2.88B | $500.0M |
Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are the cash the company paid to repurchase its common stock in the year, not the amount authorized. Balance sheet lines are as of 2026-09-30; shares outstanding as of 2026-10-16 from the cover page.
What this page is
Synchrony Financial in the regulatory record
Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.
Each section has its own history table, a one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Synchrony Financial (SYF), SEC CIK 1601712, listed on NYSE, classified by the SEC as finance services. The cross-market tables live on the short interest and insider transactions hubs.
Source and updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-10-15.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-10-28.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-09-25.JSON and CSV
- Planned sales
- SEC EDGAR Form 144Source: SEC.New notices appear shortly after the SEC posts them; a notice is filed on or before the sale. Latest 2026-08-13.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-08-12.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-09-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2026-10-20.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-09-30.JSON and CSV
- Company record
- EDGAR filing index for CIK 1601712Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
How to read it
- Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
- Insider buys next to a large short position are rare and stand out; insider sells next to one are common and mean little.
- Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.
Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.
Other companies the SEC classifies as finance services
Other company pages
- HBANHuntington Bancshares
- HCAHCA Healthcare
- HDHome Depot
- HDBHDFC Bank
- HEIHEICO
- HESMHess Midstream
- HIGHartford Insurance Group
- HIIHuntington Ingalls Industries
- HIMSHims & Hers Health
- HLHecla Mining
- HLNHaleon
- HLTHilton Worldwide Holdings
- HNGEHinge Health
- HONHoneywell International
- HONAHoneywell Aerospace
- HOODRobinhood Markets
Datasets
Frequently Asked Questions
How much of SYF is sold short?
16,434,441 shares were held short at the 2026-10-15 settlement, 5.5 days of average volume. FINRA publishes the next count about eight business days after the 15th and the last business day of the month.
What is SYF's daily short volume?
On 2026-10-28, 635,534 of the 849,632 SYF shares reported to FINRA were sold short, 74.8% of the day's reported volume. Short volume is a flow for one day, not a position.
Does SYF have fails to deliver?
The SEC's latest file shows 124 SYF shares failed to deliver at settlement 2026-09-25. Fails are reported per settlement date and published twice a month with a lag.
Are SYF insiders buying or selling?
Insiders at SYF reported 4 open-market sells worth $847K in the last 90 days and no open-market buys. Latest filing: Zane Ellen M (Director) on 2026-09-30.
Have SYF insiders filed to sell?
29 Form 144 notices on file for SYF worth $25.29B at the prices reported; 4 in the last 90 days worth $25.24B. Latest: Casellas Alberto filed on 2026-08-13 to sell 5,456 shares ($436K) from 2026-08-13.
Who owns 5% or more of SYF?
4 holders report 5% or more of SYF in their latest filing, all on Schedule 13G (passive). The largest reported stake is Vanguard Capital Management at 7.5% of the class (26,175,892 shares), filed 2026-04-30 for an event on 2026-03-31.
What did SYF report last quarter?
In FY 2025 it generated $9.85B of operating cash flow and spent $2.94B on buybacks and $427.0M on dividends. As of 2026-09-30, cash was $15.90B against $17.02B of debt.
Which tracked 13F managers own SYF?
7 of the 30 tracked 13F managers held SYF shares at their latest filing, $364.0M in all. The largest: Cliff Asness's AQR Capital Management (3.6M shares, $271.1M), Two Sigma Investments (546K shares, $41.5M), Izzy Englander's Millennium Management (306K shares, $23.3M), Ken Griffin's Citadel Advisors (168K shares, $12.8M), Ray Dalio's Bridgewater Associates (154K shares, $11.7M), Ken Fisher's Fisher Asset Management (38K shares, $2.9M). The table above lists all 7.
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.