SYF: 10-K Risk Factor Changes

2025 vs 2024  ·  SEC EDGAR  ·  2026-06-01
Other years: 2026 vs 2025
✓ Deterministic extraction — no AI-generated data

Classification is based on semantic text similarity scoring and may include approximations. “No match” means no high-confidence textual match was found — not necessarily that a section was removed.

16
New Risks
11
Removed
72
Modified
98
Unchanged
🟢 New in Current Filing ____________________________________________________________________________________________ 🔒
🟢 New in Current Filing Equity Method Investments 🔒
🟢 New in Current Filing Ally Lending 🔒
🟢 New in Current Filing Measurement Period Adjustments 🔒
🟢 New in Current Filing Allowance for Credit Losses(a)(b) 🔒
🟢 New in Current Filing % of Total Class of Loan Receivables 🔒
🟢 New in Current Filing Total past due(a) 🔒
🟢 New in Current Filing Troubled Debt Restructurings 🔒
🟢 New in Current Filing Certificates of Deposit 🔒
🟢 New in Current Filing Brokered Sweep Deposits 🔒
🟢 New in Current Filing Financial Assets 🔒
🟢 New in Current Filing Financial Liabilities(d) 🔒
🟢 New in Current Filing Financial Liabilities(d) 🔒
🟢 New in Current Filing _____________ 🔒
🟢 New in Current Filing Aggregate Number of Securities to be Sold(2) 🔒
🟢 New in Current Filing Insider Trading Arrangements and Policies 🔒
🔴 No Match in Current Filing Management Committee 🔒
🔴 No Match in Current Filing Asset and Liability Management Committee 🔒
🔴 No Match in Current Filing Ally Lending 🔒
🔴 No Match in Current Filing Balance at December 31, 2022 🔒
🔴 No Match in Current Filing Year ended December 31, 2023 🔒
🔴 No Match in Current Filing Troubled Debt Restructurings 🔒
🔴 No Match in Current Filing Financial Effects of TDRs 🔒
🔴 No Match in Current Filing Payment Defaults 🔒
🔴 No Match in Current Filing Average rate(a) 🔒
🔴 No Match in Current Filing Third-Party Debt 🔒
🔴 No Match in Current Filing Aggregate Number of Securities to be Sold(3) 🔒
🟡 Modified Damage to our reputation could negatively impact our business. 🔒
🟡 Modified Risk Categories 🔒
🟡 Modified Savings and Loan Holding Company Regulation 🔒
🟡 Modified If assumptions or estimates we use in preparing our financial statements, including those related to the CECL accounting guidance, are incorrect or are required to change, our reported results of operations and financial condition may be adversely affected. 🔒
🟡 Modified ____________________________________________________________________________________________ 🔒
🟡 Modified Reconciliation of Our Effective Tax Rate to the U.S. Federal Statutory Income Tax Rate 🔒
🟡 Modified NOTE 13. EARNINGS PER SHARE 🔒
🟡 Modified Chief Executive Officer, Chief Risk Officer, and Other Senior Officers 🔒
🟡 Modified Technology Committee 🔒
🟡 Modified Our business is heavily concentrated in U.S. consumer credit, and therefore our results are more susceptible to market fluctuations and legislative and regulatory developments in that market than a more diversified company. 🔒
🟡 Modified Macroeconomic conditions could have a material adverse effect on our business, results of operations and financial condition. 🔒
🟡 Modified Reconciliation of Unrecognized Tax Benefits 🔒
🟡 Modified Earnings before Provision for Income Taxes 🔒
🟡 Modified Reductions in interchange fees and changes to the regulations governing such fees, could have a material adverse impact on our business and results of operations. 🔒
🟡 Modified Maximum Dollar Value of Shares That May Yet Be Purchased Under the Program(b) 🔒
🟡 Modified Recurring Fair Value Measurements 🔒
🟡 Modified Financial Effects of Loan Modifications to Borrowers Experiencing Financial Difficulty 🔒
🟡 Modified Total loan receivables, before allowance for credit losses(a)(b)(c) 🔒
🟡 Modified Consolidated Statements of Changes in Equity 🔒
🟡 Modified Consumer Financial Services Regulation 🔒
🟡 Modified Regulatory Risks 🔒
🟡 Modified Synchrony Financial 🔒
🟡 Modified Provision for Income Taxes 🔒
🟡 Modified NOTE 4. DEBT SECURITIES 🔒
🟡 Modified Preferred Stock 🔒
🟡 Modified Basis of Presentation 🔒
🟡 Modified Balance at December 31, 2022 🔒
🟡 Modified Due after 10 years 🔒
🟡 Modified Financial Assets and Financial Liabilities Carried at Other Than Fair Value 🔒
🟡 Modified Balance at December 31, 2024 🔒
🟡 Modified Loan Modifications to Borrowers Experiencing Financial Difficulty 🔒
🟡 Modified Total past due(a) 🔒
🟡 Modified NOTE 6. VARIABLE INTEREST ENTITIES 🔒
🟡 Modified NOTE 9. BORROWINGS 🔒
🟡 Modified INDEX TO CONSOLIDATED FINANCIAL STATEMENTS 🔒
🟡 Modified NOTE 18. LEGAL PROCEEDINGS AND REGULATORY MATTERS 🔒
🟡 Modified Interest Income by Product 🔒
🟡 Modified Synchrony Bank 🔒
🟡 Modified Performance of Loans Modified to Borrowers Experiencing Financial Difficulty 🔒
🟡 Modified Additional Sources of Liquidity 🔒
🟡 Modified Consolidated Statements of Cash Flows 🔒
🟡 Modified Delinquent and Non-accrual Loans 🔒
🟡 Modified Dividends and Share Repurchases 🔒
🟡 Modified Our remote work arrangements, may have an adverse impact on our business. 🔒
🟡 Modified Performance Graph 🔒
🟡 Modified Payment Defaults 🔒
🟡 Modified Year ended December 31, 2023 🔒
🟡 Modified Credit Quality Indicators 🔒
🟡 Modified New Accounting Standards 🔒
🟡 Modified Debt Maturities 🔒
🟡 Modified Significant Components of Our Net Deferred Income Taxes 🔒
🟡 Modified Enterprise Risk Assessment and Risk Aggregation Reporting 🔒
🟡 Modified Issuer Purchases of Equity Securities 🔒
🟡 Modified NOTE 5. LOAN RECEIVABLES AND ALLOWANCE FOR CREDIT LOSSES 🔒
🟡 Modified Condensed Statements of Cash Flows 🔒
🟡 Modified Non-consolidated VIEs 🔒
🟡 Modified Resolution and Recovery Planning 🔒
🟡 Modified ____________________________________________________________________________________________ 🔒
🟡 Modified Management Committees 🔒
🟡 Modified NOTE 7. GOODWILL AND OTHER INTANGIBLE ASSETS 🔒
🟡 Modified The CFPB's final rule on credit card late fees, if implemented, would likely materially adversely affect our business and results of operations. 🔒
🟡 Modified Outstanding Amount(a)(b) 🔒
🟡 Modified Consolidated Statements of Earnings ____________________________________________________________________________________ 🔒
🟡 Modified ____________________________________________________________________________________________ 🔒
🟡 Modified EXHIBIT INDEX 🔒
🟡 Modified _____________ 🔒
🟡 Modified Condensed Statements of Earnings 🔒
🟡 Modified NOTE 17. SEGMENT REPORTING 🔒
🟡 Modified Contractual Maturities of Investments in Available-for-Sale Debt Securities 🔒
🟡 Modified Condensed Statements of Financial Position 🔒
🟡 Modified Rule 10b5-1 Trading Plans 🔒
🟡 Modified NOTE 8. DEPOSITS 🔒
99 changes in this historical filing

Historical year-over-year comparisons (2025 vs 2024 and earlier) are available on the Pro plan.

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