Insiders Trades
Synchrony Financial Stock: price and insider trades · United States
Synchrony Financial: what insiders have been doing
Headquartered in Stamford, United States, Synchrony Financial belongs to the Finance & Banking sector and traces its origins to 2003. Filings by its managers are published through SEC (Form 4). Over the twelve months to 18 October 2026, the company's managers filed 132 filings, from 25 insiders.
All open-market trades in the period are sales: 3 sales worth €3.7M, by 2 insiders, with no purchase on record. Biggest ticket of the year: €3.2M, sold by Howse Curtis and made public on 4 February 2026.
Across the 5,458 companies tracked on its exchange, the median is 22 filings; at 132 filings, this issuer sits above that mark. Our records for Synchrony Financial go back to 2016, with no purchases and 20 sales on the open market in total. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists net income at 3.55 bn USD; the dividend was 1.15 USD per share.
Filings reach the SEC (Form 4) feed a median of 2 days after the trade. Section 16 rules allow two business days to file each Form 4. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
Other companies in the same sector with recent insider buying flagged by our signals: First Guaranty Bancshares, Inc. and BCB Bancorp Inc. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
827
Thresholds
n/a
Buy Volume
n/a
n/a
Sell Volume
€14M
20 ops. · all time
Who traded when
BuySaleARTHUR W. COVIELLO Jr.2 sales
Curtis Howse2 sales
Jeffrey G. Naylor2 sales
Analyst consensus: bullish or bearish?
Analysts rate Synchrony Financial Buy (bullish), based on 24 analysts. Average price target: US$87.88.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 58 of 24,148 companies
92.0
score / 100
Value96
Quality88
FCF yld41%
Earn yld15%
EV/EBITDA·
ROE21%
Gross mgn·
Net mgn24%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$73.68
Analyst consensus
24 analystsBuy
US$74.00Target US$87.88(+19%)US$104.00
Income statement
RevenueUS$15B
Net incomeUS$3.6B35.5% margin
Valuation
PER (trailing)7.5x
PER (forward)7.0x
P/Book1.6x
Beta1.34
Balance sheet & cash
Market capUS$24B
Total debtUS$15.2B
Free Cash FlowUS$9.9B
Profitability & ownership
ROE20.8%
ROA2.9%
% insiders0.4%
% institutions108.9%
Last declaration on 2 October 2026
Declarations827 total
846 shares@ US$70.975.7% of flowCommon StockSEC:0001206587-26-000020:0
846 shares@ US$70.977.2% of flowCommon StockSEC:0001224983-26-000011:0
846 shares@ US$70.9752.9% of flowCommon StockSEC:0001194409-26-000011:0
846 shares@ US$70.976.7% of flowCommon StockSEC:0001315419-26-000011:0
846 shares@ US$70.9718.4% of flowCommon StockSEC:0001614731-26-000010:0
1,287 shares@ US$70.974.8% of flowCommon StockSEC:0001191210-26-000010:0
846 shares@ US$70.977.7% of flowCommon StockSEC:0001369850-26-000010:0
846 shares@ US$70.977.3% of flowCommon StockSEC:0001658732-26-000014:0
846 shares@ US$70.977.7% of flowCommon StockSEC:0001415300-26-000010:0
846 shares@ US$70.977.7% of flowCommon StockSEC:0001674338-26-000010:0
846 shares@ US$70.977.2% of flowCommon StockSEC:0001013182-26-000012:0
14 shares@ US$80.751.8% of flowDividend Equivalent UnitSEC:0001614731-26-000009:0
14 shares@ US$80.750.2% of flowDividend Equivalent UnitSEC:0001206587-26-000019:0
11 shares@ US$80.600.2% of flowCommon StockSEC:0001206587-26-000019:1
182 shares@ US$80.750.5% of flowDividend Equivalent UnitSEC:0001763554-26-000012:0
1,001 shares@ US$80.751.9% of flowDividend Equivalent UnitSEC:0001614719-26-000012:0
10 shares@ US$80.751.3% of flowDividend Equivalent UnitSEC:0001194409-26-000010:0
156 shares@ US$80.755.3% of flowDividend Equivalent UnitSEC:0001013182-26-000011:0
79 shares@ US$80.756.0% of flowDividend Equivalent UnitSEC:0002032281-26-000011:0
182 shares@ US$80.750.8% of flowDividend Equivalent UnitSEC:0001839722-26-000013:0
218 shares@ US$80.751.1% of flowDividend Equivalent UnitSEC:0001868897-26-000010:0
203 shares@ US$80.751.8% of flowDividend Equivalent UnitSEC:0001191210-26-000009:0
70 shares@ US$80.756.3% of flowDividend Equivalent UnitSEC:0002032277-26-000011:0
14 shares@ US$80.750.5% of flowDividend Equivalent UnitSEC:0001415300-26-000009:0
138 shares@ US$80.754.7% of flowDividend Equivalent UnitSEC:0001658732-26-000013:0
25 of 827 declarations
About Synchrony Financial
Synchrony Financial (NYSE: SYF) is a leading U.S. consumer financing company headquartered in Stamford, Connecticut, United States. The company traces its roots to a long heritage in consumer lending and merchant finance, with Synchrony’s investor materials describing a history built on more than 90 years of lending expertise. For investors in French-speaking markets, Synchrony is best understood not as a traditional retail bank, but as a specialized consumer finance platform embedded in the shopping experience.
Its business model combines several core activities. Synchrony issues private-label and co-branded credit cards, provides promotional financing and installment lending at the point of sale, and also operates Synchrony Bank, which offers FDIC-insured savings products. The company serves a broad range of consumer verticals, including home improvement, furnishings, healthcare and wellness through CareCredit, powersports, jewelry, outdoor living, and other specialty retail categories. This mix gives Synchrony a diversified funding profile tied closely to consumer spending and merchant traffic, both online and in-store.
Read moreShow less
Competitively, Synchrony holds a strong position in U.S. merchant finance because of its scale, long-term partner relationships, underwriting capabilities, and digital distribution tools. Its proposition is built around omnichannel customer experiences, embedded financing, and tailored credit solutions for retailers and service providers. Management emphasizes a digital ecosystem that connects customers and partners, and the company’s savings franchise adds a complementary banking layer that supports funding and customer engagement.
Geographically, Synchrony is primarily a United States story. The company’s operating footprint is overwhelmingly domestic, and its securities trade on the NYSE in the U.S. market. That domestic focus is important for analysts because the business is closely linked to U.S. consumer credit trends, retail spending, and partner performance across major American commerce categories.
Recent corporate developments reinforce this positioning. In January 2026, Synchrony expanded its CareCredit integration with Clover to reach tens of thousands of health and wellness providers. In April 2026, it launched a new RH Credit Card and expanded its Lowe’s relationship by becoming issuer of the MyLowe’s Pro Rewards American Express Card. The company has also continued to highlight its financial literacy initiatives and merchant partnership strategy. Taken together, these moves suggest a business that is still actively deepening its embedded finance footprint while relying on its merchant network, data-driven underwriting, and consumer credit expertise to sustain growth.
Recent ranked signals in the same sector
Purchases our model currently ranks for the recommendations list.
All recommendations
