Synchrony Financial management check
SYF · Financials · Consumer Finance
Filings as of
3 good · 0 to watch · 0 flagged, across the seven questions below. Too few of them could be scored to rank this company.
- n/a
Have owners done well?
Not enough dataNo shareholder-return figures in the latest proxy.
- n/a
Does pay follow performance?
Not enough dataToo few years of pay and return figures to compare.
- n/a
What does the CEO cost owners?
Not enough dataNo pay or net income figure for the latest year.
- n/a
Do they own the stock?
No recent CEO filingLight activity: no buys, $5.9m sold in six months. 9 of 9 sales ran on pre-arranged 10b5-1 plans.
- Good
Are owners being diluted?
Share count shrinkingDiluted shares changed -6.0% a year over the last three fiscal years.
- Good
Is leadership stable?
6 leadership filings in 3 years6 filings under 8-K item 5.02 (officers or directors leaving or joining, or new pay arrangements) in the last 3 years.
- Good
Are the books clean?
No red flags on fileNo restatements, auditor changes or late filings since 2022.
Against the S&P 500
Each check's score (0–100) and how it compares: the share of ranked S&P 500 companies it matches or beats, and the median in Financials.
| Check | Score | At or above | Sector median |
|---|---|---|---|
| Owner returns | — | — | 49 |
| Pay for performance | — | — | 83 |
| CEO cost | — | — | 67 |
| Skin in the game | — | — | 51 |
| Dilution | 100 | 69 | |
| Stable leadership | 95 | 80 | |
| Clean books | 100 | 100 |
Closest peers
Others in Consumer Finance, by management score.
Pay versus performance
From the proxy statement filed April 29, 2026. "Actually paid" values stock awards at the share price, so it rises and falls with the stock.
The latest proxy carries no tagged pay-versus-performance table. Read it on EDGAR.
Insiders and the CEO's stake
Light activity: no buys, $5.9m sold in six months. 9 of 9 sales ran on pre-arranged 10b5-1 plans.
- SoldJonathan S MothnerSee remarks · 10b5-1 plan$3.7mMay 15, 2026
- SoldAlberto CasellasSee remarks · 10b5-1 plan$880kAug 13, 2026
- SoldCurtis HowseSee remarks · 10b5-1 plan$646kMay 1, 2026
- SoldArthur W Jr CovielloDirector · 10b5-1 plan$615kAug 3, 2026
Leadership and governance on file
- Jun 29, 2026Leadership change8-K 5.02
- Sep 29, 2025Leadership change8-K 5.02
- Sep 17, 2024Leadership change8-K 5.02
- Jul 1, 2024Leadership change8-K 5.02
- Jun 13, 2024Leadership change8-K 5.02
- Jan 17, 2024Leadership change8-K 5.02
- Dec 15, 2022Leadership change8-K 5.02
- Oct 11, 2022Leadership change8-K 5.02
- Sep 2, 2022Leadership change8-K 5.02
- Apr 5, 2022Leadership change8-K 5.02
Latest shareholder vote results: Jun 25, 2026, including the say-on-pay vote.
Where the money went
Over 2021–2025: $13.4bn returned to owners in buybacks and dividends, 81% of net income, and $0 of pay in stock.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net income | $4.2bn | $3.0bn | $2.2bn | $3.5bn | $3.6bn |
| Stock-based pay | — | — | — | — | — |
| Buybacks | $2.9bn | $3.3bn | $1.1bn | $1.0bn | $2.9bn |
| Dividends | $500.0m | $434.0m | $406.0m | $398.0m | $427.0m |
| Diluted shares | 569m | 483m | 424m | 401m | 374m |
Educational only, not investment advice. Figures are as filed with the SEC: pay from the proxy's pay-versus-performance table, capital allocation from 10-K XBRL data, insider trades from Form 4s over the last six months, events from the last 5 years of filings. The peer group is the one the company chose. See the method.