How many subsidiaries does Synchrony Financial file with the SEC?

19, listed in its most recent exhibit 21. They are incorporated across 6 jurisdictions, led by California, Delaware, United States. That exhibit is filed with the company's annual report and is the company's own list, not an estimate.

Is Synchrony Financial financially healthy?

Synchrony Financial scores 6 out of 6 on the Piotroski F-score. Only 6 of the nine tests could be computed from what it filed; the rest need a prior year it has not reported. Every test and the numbers behind it are shown above, so the arithmetic is checkable rather than something you have to take on trust.

Who are the largest institutional holders of Synchrony Financial?

Among the managers tracked here, the biggest positions as of the 2026-Q2 13F filings are BlackRock, Inc. (adding), Capital World Investors (trimming), STATE STREET CORP (adding). Direction is the change in share count against that manager's own previous filing; managers with no prior filing are left out rather than counted as new buyers.

Synchrony Financial (SYF)

NYSE, NYSE, NYSE · Common Stock · Finance Services

One email a week from me: what it filed, which 13F holders added or cut, where its scores stand. Free.

American financial services company

Corporate structure

19 entities across 6 jurisdictions. Read directly from the company’s own 10-K EX-21 filed 2026-02-06 — see the exhibit.

Which other public companies file entities in the same places:

Delaware14 California1 United States1 Philippines1 India1 Pennsylvania1

Subsidiaries of Synchrony Financial as disclosed in its SEC filing
Entity	Jurisdiction	Note
CareCredit LLC	California
Retail Finance Credit Services, LLC	Delaware
Retail Finance International Holdings, Inc.	Delaware
Retail Finance Servicing, LLC	Delaware
RFS Holding, Inc.	Delaware
RFS Holding, L.L.C.	Delaware
Sherman Clay & Co., LLC	Delaware
Synchrony Bank	United States
Synchrony Global Services Philippines, Inc.	Philippines
Synchrony International Resource Management, LLC	Delaware

Financial health

Two standard screens, computed from the XBRL in FY2025 against FY2024. Every test shows the numbers behind it — a score with its inputs hidden is a number you cannot check.

Piotroski F-score

6 / 6

PASSReturn on assets positiveROA 3.0%
PASSOperating cash flow positiveOCF 9.9B
PASSReturn on assets improving2.9% → 3.0%
PASSCash flow exceeds earningsOCF 9.9B vs NI 3.6B
PASSLong-term debt ratio falling12.9% → 12.7% of assets
FAILCurrent ratio improvingno data
PASSNo share dilution401M → 374M shares
FAILGross margin improvingno gross profit reported
FAILAsset turnover improvingno data

Six-year record

Year	Revenue	Net income	Free cash flow	Gross margin	Shares
FY2020	—	$1.4B	—	—	590,800,000
FY2021	—	$4.2B	—	—	569,300,000
FY2022	—	$3.0B	—	—	483,400,000
FY2023	—	$2.2B	—	—	423,500,000
FY2024	—	$3.5B	—	—	400,600,000
FY2025	—

Ownership flow

15 institutions tracked — 7 added, 5 reduced, 3 opened a new position. Index money added 328,021 shares while active managers cut 17,288,610.

Institutional holders of Synchrony Financial and their share-count change
Manager	Kind	Shares	Change	Value
Capital World Investors	Active fund	18,918,854	−14,878,053	$1.4B
BANK OF AMERICA CORP /DE/	Active fund	14,766,088	−1,298,530	$1.1B
AQR CAPITAL MANAGEMENT LLC	Hedge fund	3,564,350	−921,310	$271.1M
FMR LLC	Active fund	1,170,603

Capital returned

What the company actually paid out and bought back, as reported — the record behind any yield figure.

Dividend per share

2026Q2: $0.30
2026Q1: $0.30
2025Q3: $0.30
2025Q2: $0.30
2025Q1: $0.25
2024Q3: $0.25

Shares repurchased

2026Q1: $900.0M
2025Q1: $605.0M
2024Q1: $300.0M
2023Q1: $404.0M
2022Q1: $968.0M
2021Q1: $200.0M

Identity

CIK: 0001601712
LEI: 549300RS7EWPM9MA6C78
FIGI: BBG00658F3P3
SIC: 6199 · Finance Services
Incorporated: NY
Headquarters: STAMFORD, CT
Employees: 15,000 (2016)
Founded: 2003-09-12

Ownership

Institutional: 109.2%
Institutions: 1,420
Insiders: 0.3%

Ownership percentages are a vendor aggregate, not a filing — unlike everything else on this page.

Questions about Synchrony Financial

How many subsidiaries does Synchrony Financial file with the SEC?: 19, listed in its most recent exhibit 21. They are incorporated across 6 jurisdictions, led by California, Delaware, United States. That exhibit is filed with the company's annual report and is the company's own list, not an estimate.
Is Synchrony Financial financially healthy?: Synchrony Financial scores 6 out of 6 on the Piotroski F-score. Only 6 of the nine tests could be computed from what it filed; the rest need a prior year it has not reported. Every test and the numbers behind it are shown above, so the arithmetic is checkable rather than something you have to take on trust.
Who are the largest institutional holders of Synchrony Financial?: Among the managers tracked here, the biggest positions as of the 2026-Q2 13F filings are BlackRock, Inc. (adding), Capital World Investors (trimming), STATE STREET CORP (adding). Direction is the change in share count against that manager's own previous filing; managers with no prior filing are left out rather than counted as new buyers.

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The structure map above is the Corporate Blueprint, and in the desktop it is interactive — click any entity to re-centre the map on it and walk the ownership chain. It sits alongside the screener, the scorecard and the filings lab on one desk, on your machine.

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Sourced from SEC EDGAR primary filings. Figures are as reported by the company and are not investment advice. Scores are standard published screens computed from those filings; every input is shown above so you can check the arithmetic.