Synchrony Financial (SYF)
Every FINRA and SEC series the site collects for Synchrony Financial: short interest with days to cover, daily short sale volume, fails to deliver and Form 4 insider trades. Listed on NYSE, classified by the SEC as finance services.
17.9M
Short interest
settlement 2026-08-14
7.0
Days to cover
-5.3% vs prior
66.0%
Short share of volume
2026-09-11
65
Fails to deliver
settlement 2026-08-11
-$847K
Insider flow, 90 days
0 buys, 4 sells
As of 2026-09-11.
Short interest
FINRA, twice a month; the last 12 months shown, all 48 settlements in the JSONAs of 14 August 2026, short interest in SYF is 17,939,946 shares, down 1,427,298 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 2.6M shares a day that is 7.0 days to cover, elevated.
Embed this chartfree, with the attribution line it carries
<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 |
|---|---|---|---|---|
| 2026-08-14 | 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 |
Daily short volume
FINRA Reg SHO, last 60 sessions. JSONAs of 11 September 2026, the short share of SYF volume is 66.0%, down 9.0 points over the last five sessions. Over the last 52 readings it ranged from 26.3% (1 July 2026) to 85.5% (20 August 2026). The latest reading is 2.1 points below the 30-session average of 68.1%, on 899K shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-09-11 | 593K | 899K | 66.0% | 104 |
| 2026-09-10 | 698K | 1.1M | 63.9% | 1,439 |
| 2026-09-09 | 673K | 923K | 72.9% | 1,033 |
| 2026-09-08 | 617K | 822K | 75.1% | 77 |
| 2026-09-04 | 447K | 746K | 59.9% | 2,912 |
| 2026-09-03 | 418K | 557K | 75.0% | 72 |
| 2026-09-02 | 682K | 847K | 80.6% | 263 |
| 2026-09-01 | 757K | 926K | 81.8% | 1,668 |
| 2026-08-31 | 824K | 1.0M | 80.1% | 57 |
| 2026-08-28 | 648K | 941K | 68.8% | 1,157 |
| 2026-08-27 | 542K | 999K | 54.3% | 127 |
| 2026-08-26 | 895K | 1.5M | 58.4% | 0 |
| 2026-08-25 | 1.1M | 1.3M | 82.7% | 986 |
| 2026-08-24 | 1.1M | 1.4M | 76.4% | 83 |
| 2026-08-21 | 1.9M | 2.2M | 85.4% | 1,600 |
| 2026-08-20 | 1.3M | 1.5M | 85.5% | 0 |
| 2026-08-19 | 422K | 850K | 49.6% | 477 |
| 2026-08-18 | 584K | 839K | 69.6% | 5 |
| 2026-08-17 | 606K | 922K | 65.7% | 1,673 |
| 2026-08-14 | 252K | 435K | 58.0% | 243 |
| 2026-08-13 | 322K | 505K | 63.7% | 315 |
| 2026-08-12 | 386K | 677K | 57.1% | 0 |
| 2026-08-11 | 454K | 623K | 72.8% | 156 |
| 2026-08-10 | 410K | 702K | 58.4% | 2,304 |
| 2026-08-07 | 498K | 650K | 76.7% | 264 |
| 2026-08-06 | 519K | 826K | 62.8% | 1,367 |
| 2026-08-05 | 605K | 916K | 66.0% | 101 |
| 2026-08-04 | 537K | 1.2M | 43.5% | 448 |
| 2026-08-03 | 589K | 905K | 65.1% | 6,477 |
| 2026-07-31 | 612K | 922K | 66.4% | 334 |
Fails to deliver
SEC, by settlement date. JSONAs of 11 August 2026, the fails-to-deliver balance in SYF is 65 shares, up 60 shares over the last settlement date. Over the last 51 readings it ranged from 3 shares (15 April 2026) to 357,268 shares (31 October 2025). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 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 |
| 2026-04-22 | 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 |
| 2026-04-06 | 645 | $68.42 | $44K |
| 2026-03-25 | 36 | $67.27 | $2K |
| 2026-03-23 | 32,235 | $66.19 | $2.1M |
| 2026-03-10 | 239 | $67.12 | $16K |
| 2026-03-09 | 11,185 | $66.67 | $746K |
| 2026-03-05 | 32,434 | $69.27 | $2.2M |
| 2026-03-03 | 109,982 | $68.64 | $7.5M |
| 2026-02-27 | 43,299 | $73.98 | $3.2M |
| 2026-02-23 | 74,758 | $73.37 | $5.5M |
| 2026-02-17 | 52 | $71.38 | $4K |
| 2026-02-09 | 284 | $75.16 | $21K |
| 2026-02-04 | 20 | $73.90 | $1K |
| 2026-02-02 | 2,900 | $72.63 | $211K |
Insider trades
SEC Form 4, newest first, 50 of 100 shown. JSONInsiders at SYF reported 4 open-market sells worth $847K in the last 90 days and no open-market buys. Sells alone are a weak signal; insiders sell for tax, diversification and estate reasons all the time. Latest filing: Tiliakos Amy (See remarks) on 2026-08-17.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 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 | n/a | Grant | 14 | $80.75 | $1K | 32K |
| 2026-08-17 | Richie Laurel | n/a | Grant | 138 | $80.75 | $11K | 52K |
| 2026-08-17 | Parker P.W. | n/a | 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 | n/a | 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 | n/a | Grant | 156 | $80.75 | $13K | 41K |
| 2026-08-17 | ELLINGER DEBORAH G | n/a | 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 | n/a | 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 | n/a | L | 11 | $80.60 | $887 | 26K |
| 2026-08-17 | COVIELLO ARTHUR W JR | n/a | Grant | 14 | $80.75 | $1K | 26K |
| 2026-08-17 | COLAO DANIEL O | n/a | Grant | 14 | $80.75 | $1K | 6K |
| 2026-08-17 | Alves Paget Leonard | n/a | Grant | 157 | $80.75 | $13K | 53K |
| 2026-08-17 | AGUIRRE FERNANDO | n/a | 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 | Option exercise | 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 | n/a | 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 | AGUIRRE FERNANDO | n/a | 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 | n/a | Grant | 14 | $71.38 | $999 | 31K |
| 2026-05-15 | Schaller Bart | See remarks | Grant | 143 | $71.38 | $10K | 34K |
| 2026-05-15 | Richie Laurel | n/a | Grant | 135 | $71.38 | $10K | 51K |
| 2026-05-15 | Parker P.W. | n/a | 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 | n/a | 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 | Option exercise | 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 | n/a | Grant | 152 | $71.38 | $11K | 40K |
| 2026-05-15 | ELLINGER DEBORAH G | n/a | 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 | n/a | Grant | 14 | $71.38 | $999 | 17K |
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 the rarer, stronger signal.
Planned sales (Form 144)
Newest first. JSON4 Form 144 notices on file for SYF worth $25.24B 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. |
Large holders (13D and 13G)
One row per reporting person, newest filing first. JSON1 holder above 5% has filed on SYF, all on Schedule 13G (passive). The largest reported stake is Capital World Investors at 5.6% of the class (18,956,052 shares), filed 2026-08-12 for an event on 2026-06-30.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-08-12 | 13G/Ano. 6 | Capital World Investorsinvestment adviser | 19.0M | 5.6% | 2026-06-30 |
13F holders
Tracked managers holding SYF at their latest 13F. JSON8 of the 30 tracked managers held SYF at their latest 13F, $433.4M 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 4 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 |
| Citadel Advisors | 2026-06-30 | 955K | $72.6M | 0.01% | +72K |
| Two Sigma Investments | 2026-06-30 | 546K | $41.5M | 0.03% | +214K |
| Millennium Management | 2026-06-30 | 418K | $31.8M | 0.01% | +76K |
| Bridgewater Associates | 2026-06-30 | 154K | $11.7M | 0.05% | -82K |
| Fisher Asset Management | 2026-06-30 | 38K | $2.9M | 0.00% | +7K |
| Point72 Asset Management | 2026-06-30 | 14K | $1.1M | 0.00% | -142K |
| 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 2026-06-30, cash was $16.19B against $16.43B of debt.
- Cash
- $16.19B
- Debt
- $16.43B
- Equity
- $16.90B
- Total assets
- $121.93B
- Shares outstanding
- 325,370,840
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | n/a | $885.0M | n/a | 2.59 |
| Q1 2026 | 2026-03-31 | n/a | $805.0M | n/a | 2.27 |
| Q4 2025derived | 2025-12-31 | n/a | $751.0M | n/a | n/a |
| Q3 2025 | 2025-09-30 | n/a | $1.08B | n/a | 2.86 |
| Q2 2025 | 2025-06-30 | n/a | $967.0M | n/a | 2.50 |
| Q1 2025 | 2025-03-31 | n/a | $757.0M | n/a | 1.89 |
| Q4 2024derived | 2024-12-31 | n/a | $774.0M | n/a | n/a |
| Q3 2024 | 2024-09-30 | n/a | $789.0M | n/a | 1.94 |
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 cash paid to repurchase common stock in the year (XBRL PaymentsForRepurchaseOfCommonStock), not authorizations. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-07-17 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 pulls every series the site collects for one ticker onto one URL, keyed by the SEC's own ticker list, 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 summary sentence built from the rows (last value, change, range with dates) and its own JSON and CSV links. Nothing on the page is written by a model; the sentences change only when the data does. A page exists only for companies with data in at least two series, and every section 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 method
- Short interest
- FINRA consolidated short interestTwice a month, about eight business days after settlement. Latest 2026-08-14.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesEvery trading day, loaded the following morning. Latest 2026-09-11.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataTwice a month, a few weeks after the half month ends. Latest 2026-08-11.JSON and CSV
- Planned sales
- SEC EDGAR Form 144EDGAR read every 30 minutes; a notice is filed on or before the sell order. Latest 2026-08-13.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GEDGAR read every 30 minutes; 13D within five business days of crossing 5%, 13G on the passive schedule. Latest 2026-08-12.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRQuarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC XBRL company factsRefreshed weekly from the SEC's structured data; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
- Insider trades
- SEC EDGAR Form 4EDGAR read every 30 minutes; filings are due two business days after the trade. Latest 2026-08-17.JSON and CSV
- Company record
- EDGAR filing index for CIK 1601712Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 30 requests a minute without a key, 120 a minute with a key from a free account.
Data checks. Every dataset is checked against its source once a day. This dataset passed the last run, 13 Sep 09:50 UTC.
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 crowded short are the combination that has historically preceded squeezes; insider sells next to a crowded short 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
- COINCoinbase Global, Inc.
- CHYMChime Financial, Inc.
- CRCLCircle Internet Group, Inc.
- DAVEDave Inc./DE
- MSTRStrategy Inc
- OPFIOppFi Inc.
- WLTHWEALTHFRONT CORP
- CLSKCLEANSPARK, INC.
- UPSTUpstart Holdings, Inc.
- CIFRCipher Digital Inc.
- MARAMARA Holdings, Inc.
- LDIloanDepot, Inc.
- PGYPagaya Technologies Ltd.
- CORZCore Scientific, Inc./tx
- EXODExodus Movement, Inc.
- CLSKWCLEANSPARK, INC.
- CORZWCore Scientific, Inc./tx
- CORZZCore Scientific, Inc./tx
- DAVEWDave Inc./DE
- PGYWWPagaya Technologies Ltd.
- STRCStrategy Inc
- STRDStrategy Inc
- STRFStrategy Inc
- STRKStrategy Inc
Datasets
Frequently Asked Questions
How much of SYF is sold short?
What is SYF's daily short volume?
Does SYF have fails to deliver?
Are SYF insiders buying or selling?
Have SYF insiders filed to sell?
Who owns more than 5% of SYF?
What did SYF report last quarter?
Which funds hold SYF?
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.