SYF Synchrony Financial Common Stock
$81.59
Price · Aug 19, 2026
Fundamentals as of Jul 23, 2026
52W Range
$63–$89
72% of range
Analyst Rating
BUY
28 analysts
Price Target
$89
+9% upside
P/E (TTM)
8.8
ROE
21.1%
Net Profit Margin
18.7%
About Synchrony Financial Common Stock Company overview from Wikipedia
Synchrony Financial is an American consumer financial services company with its headquarters in Draper, Utah, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.
Read more
Synchrony Financial is an American consumer financial services company with its headquarters in Draper, Utah, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries and consumers through Synchrony Bank, its wholly owned online bank subsidiary.
Brands partnered with Synchrony include Amazon, Lowe's, Guitar Center, Cathay Pacific, Rakuten, Verizon, Sleep Number, Walgreens, and Sam's Club. Synchrony owns CareCredit, a credit card for medical and veterinary expenses.
History
Previously named GE Capital Retail Finance Corporation, Synchrony was incorporated in Delaware in 2003. The company was inactive until 2013. Centered on co-branded credit products, Synchrony went public in July 2014 and raised $2.88 billion in its initial public offering.
In 2017, Synchrony acquired GPShopper.
In 2018, Synchrony acquired Loop Commerce, which provides a digital gifting platform called GiftNow. The same year, it acquired PayPal's $7.6 billion credit receivables portfolio and became the exclusive issuer for the PayPal Credit point-of-sale financing program in the United States through 2028.
GIC Private Limited, the sovereign wealth fund of Singapore, owned 7.72% of Synchrony's stock in 2019. GIC exited its position in 2023.
Controversy
In June 2014, shortly before Synchrony's New York Stock Exchange debut, the U.S. Consumer Financial Protection Bureau and the Department of Justice reached a $225 million settlement with the company after it entered into a consent decree with the Consumer Financial Protection Bureau. The settlement stated that while operating as GE Capital Bank, the company had engaged in deceptive and discriminatory credit card practices, primarily surrounding nefarious enrollment practices for add-on programs such as financial hardship relief.
In 2020, consumer advocacy groups urged the Consumer Financial Protection Bureau and Comptroller of the Currency to investigate the use of PayPal Credit to pay tuition at for-profit schools, where students are generally ineligible for lower-cost federal loans. The advocacy groups classified the 24% interest rates, $40 late fees, and aggressive collection practices as "predatory."
In May 2024, a class action suit was filed in New York alleging that CareCredit's interest rates of 32.99% violate state usury laws.
Synchrony-branded educational initiatives
In 2016, the University of Connecticut's School of Engineering announced the launch of Synchrony's Center of Excellence in Cybersecurity.
In 2018, Synchrony opened an emerging tech center at the University of Illinois.
In 2019, Synchrony opened the Synchrony Digital Technology Center at the University of Connecticut's Stamford campus. During the dedication of the center, the company announced a $1 million donation to the "Connecticut Commitment" – an initiative aimed at helping lower-income Connecticut students attend the university, tuition-free.
Synchrony operates "Innovation Stations" in Stamford, Connecticut; Chicago, Illinois; Kettering, Ohio and Hyderabad, India.
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
SYF Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$81.59
Market Cap
$28.31B
P/E (TTM)
8.8
EPS (TTM)
$9.28
Revenue (TTM)
—
Div Yield
1.5%
ROE
21.1%
Debt/Equity
—
52W Range
$63 – $89
SYF Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
Configure
10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$9.28
2016-12-31
→
2025-12-31
Free Cash Flow
—
Margins
18.7%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
SYF
Peer Median
P/E (TTM)
8.8
15.7
P/S (TTM)
1.5
2.5
P/B
1.7
3.0
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
SYF
Peer Median
Net Profit Margin
18.7%
14.1%
ROA
3.0%
3.4%
ROE
21.1%
19.5%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
SYF
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
SYF
Peer Median
Revenue YoY
-2.8%
—
Revenue CAGR 3Y
5.9%
—
Revenue CAGR 5Y
5.1%
—
EPS YoY
8.5%
—
Net Income YoY
1.5%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
SYF
Peer Median
Payout Ratio
12.0%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.5%
Payout Ratio
12.0%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 5, 2026 | $0.3400 |
| May 5, 2026 | $0.3000 |
| Feb. 6, 2026 | $0.3000 |
| Nov. 5, 2025 | $0.3000 |
| Aug. 5, 2025 | $0.3000 |
| May 5, 2025 | $0.3000 |
| Feb. 3, 2025 | $0.2500 |
| Nov. 4, 2024 | $0.2500 |
| Aug. 5, 2024 | $0.2500 |
| May 3, 2024 | $0.2500 |
| Feb. 2, 2024 | $0.2500 |
| Oct. 31, 2023 | $0.2500 |
| July 28, 2023 | $0.2500 |
| May 1, 2023 | $0.2300 |
| Feb. 3, 2023 | $0.2300 |
| Oct. 31, 2022 | $0.2300 |
| July 29, 2022 | $0.2300 |
| April 29, 2022 | $0.2200 |
| Feb. 9, 2022 | $0.2200 |
| Oct. 29, 2021 | $0.2200 |
SYF Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
28 analysts
- Strong Buy 6 21.4%
- Buy 12 42.9%
- Hold 10 35.7%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
23 analysts · 2026-08-14
Median
$88.00
Now
$81.59
Low
$78.00
High
$104.00
Median target
$88.00
+7.9%
Mean target
$89.09
+9.2%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.34%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $2.59 | $2.13 | 0.46% |
| March 31, 2026 | $2.27 | $2.21 | 0.06% |
| Dec. 31, 2025 | $2.04 | $2.06 | -0.02% |
| Sept. 30, 2025 | $2.86 | $2.25 | 0.61% |
| June 30, 2025 | $2.50 | $1.76 | 0.74% |
| March 31, 2025 | $1.89 | $1.69 | 0.20% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| SYF | $28.95B | 9.0 | -2.8% | 18.7% | 21.1% | — |
| AXP | $253.79B | 24.1 | 6.4% | 26.2% | 32.9% | — |
| COF | $151.50B | 60.1 | 36.6% | 4.6% | 2.2% | — |
| SOFI | $33.26B | 67.1 | 23.1% | 77.7% | 5.5% | — |
| ALLY | $13.97B | 19.1 | -3.3% | 10.8% | 5.7% | — |
| FCFS | $7.01B | 21.5 | 8.0% | 9.0% | 15.3% | 50.3% |
| FIGR | $0 | 92.8 | 48.7% | 26.4% | 16.9% | — |
| OMF | $7.92B | 10.3 | 8.9% | 16.0% | 23.3% | — |
| ENVA | $3.89B | 13.6 | 18.6% | 9.8% | 24.3% | 58.1% |
| CACC | $4.74B | 12.2 | 7.2% | 18.3% | 27.5% | — |
| SLM | $5.39B | 7.8 | 7.3% | 37.5% | 30.9% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $3.71B | $1.52B | $1.03B | $1.67B | $2.29B | $1.87B | $1.39B | $1.25B | $1.14B | $922M | |
| Interest Income | $22.60B | $22.64B | $20.71B | $17.15B | $15.27B | $16.07B | $19.09B | $17.99B | $16.41B | $14.78B | $13.23B | $12.24B | |
| Pretax Income | $4.62B | $4.55B | $2.90B | $3.96B | $5.50B | $1.80B | $4.89B | $3.64B | $3.32B | $3.57B | $3.53B | $3.39B | |
| Income Tax | $1.07B | $1.05B | $666M | $946M | $1.28B | $412M | $1.14B | $854M | $1.39B | $1.32B | $1.32B | $1.28B | |
| Net Income | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B | $1.39B | $3.75B | $2.79B | $1.94B | $2.25B | $2.21B | $2.11B | |
| EPS (Basic) | $9.38 | $8.64 | $5.21 | $6.19 | $7.40 | $2.28 | $5.59 | $3.76 | $2.43 | $2.71 | $2.66 | $2.78 | |
| EPS (Diluted) | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 | $2.27 | $5.56 | $3.74 | $2.42 | $2.71 | $2.65 | $2.78 | |
| Shares (Basic) | 369,900,000 | 396,500,000 | 421,200,000 | 480,400,000 | 564,600,000 | 589,000,000 | 670,200,000 | 742,300,000 | 795,600,000 | 829,200,000 | 833,800,000 | 757,400,000 | |
| Shares (Diluted) | 373,900,000 | 400,600,000 | 423,500,000 | 483,400,000 | 569,300,000 | 590,800,000 | 673,500,000 | 746,900,000 | 799,700,000 | 831,500,000 | 835,500,000 | 757,600,000 | |
| EBITDA | $514M | $481M | $458M | $419M | $390M | $383M | $367M | $302M | $254M | $219M | $174M | $131M |
Balance Sheet 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $14.97B | $14.71B | $14.26B | $10.29B | $8.34B | $11.52B | $12.15B | $9.40B | $11.60B | $9.32B | $12.32B | $11.83B | |
| PP&E (Net) | $1.25B | · | · | · | · | · | · | · | · | · | · | · | |
| Goodwill | $1.36B | $1.27B | $1.02B | $1.10B | $1.10B | $1.08B | $1.08B | $1.02B | $991M | $949M | $949M | $949M | |
| Intangibles | $104M | $854M | $815M | $742M | $1.17B | $1.12B | $1.26B | $1.14B | $749M | $712M | $701M | $519M | |
| Total Assets | $119.09B | $119.46B | $117.48B | $104.56B | $95.75B | $95.95B | $104.83B | $106.79B | $95.81B | $90.21B | $83.99B | $75.71B | |
| Total Liabilities | $102.33B | $102.88B | $103.58B | $91.69B | $82.09B | $83.25B | $89.74B | $92.11B | $81.57B | $76.01B | $71.39B | $65.23B | |
| Long-term Debt | $15.18B | $15.46B | $15.98B | $14.19B | $14.51B | $15.78B | $19.87B | $24.00B | $20.80B | $20.15B | $24.28B | · | |
| Common Stock | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Paid-in Capital | $9.90B | $9.85B | $9.78B | $9.72B | $9.67B | $9.57B | $9.54B | $9.48B | $9.45B | $9.39B | $9.35B | $9.41B | |
| Retained Earnings | $24.60B | $21.64B | $18.66B | $16.72B | $14.24B | $10.62B | $12.12B | $8.99B | $6.81B | $5.33B | $3.29B | $1.08B | |
| Treasury Stock | $18.91B | $16.07B | $15.20B | $14.17B | $10.93B | $8.17B | $7.24B | $3.73B | $1.96B | $475M | $0 | · | |
| Stockholders' Equity | $16.77B | $16.58B | $13.90B | $12.87B | $13.65B | $12.70B | $15.09B | $14.68B | $14.23B | $14.20B | $12.60B | $10.48B | |
| Liabilities + Equity | $119.09B | $119.46B | $117.48B | $104.56B | $95.75B | $95.95B | $104.83B | $106.79B | $95.81B | $90.21B | $83.99B | $75.71B | |
| Shares Outstanding | 347,000,000 | 388,000,000 | 406,875,775 | 438,216,755 | 526,830,205 | 584,009,550 | 615,925,168 | 718,758,598 | 770,531,433 | 817,352,328 | 833,828,340 | 833,765,000 |
Cash Flow 12
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $514M | $481M | $458M | $419M | $390M | $383M | $367M | $302M | $254M | $219M | $174M | $131M | |
| Deferred Tax | $184M | $-98M | $-458M | $-421M | $219M | $-602M | $23M | $-53M | $385M | $389M | $-295M | $-203M | |
| Restructuring | · | · | · | · | · | $87M | · | · | · | · | · | · | |
| Other Non-cash | $5.60B | $5.97B | $6.36B | $3.68B | $2.27B | $6.32B | $4.85B | $6.30B | $6.34B | $3.96B | $4.09B | $3.30B | |
| Operating Cash Flow | $9.85B | $9.85B | $8.59B | $6.69B | $7.10B | $7.49B | $8.99B | $9.34B | $8.57B | $6.51B | $6.18B | $5.34B | |
| Investing Cash Flow | $-4.85B | $-8.90B | $-14.23B | $-10.23B | $-4.81B | $-498M | $-261M | $-19.04B | $-9.54B | $-13.36B | $-10.80B | $-10.07B | |
| Stock Repurchased | $2.94B | $1.01B | $1.11B | $3.32B | $2.88B | $985M | $3.62B | $1.87B | $1.50B | $476M | $0 | $0 | |
| Net Stock Activity | $-2.94B | $-1.01B | $-1.11B | $-3.32B | $-2.88B | $-985M | $-3.62B | $-1.87B | $-1.50B | $-476M | · | · | |
| Dividends Paid | $427M | $398M | $406M | $434M | $500M | $520M | $581M | $534M | $446M | $214M | $0 | $0 | |
| Financing Cash Flow | $-4.74B | $-611M | $9.63B | $5.28B | $-5.20B | $-8.03B | $-6.46B | $8.25B | $3.12B | $3.81B | $5.12B | $14.24B | |
| Net Change in Cash | · | · | · | · | · | · | · | · | $2.28B | $-3.00B | $497M | $9.51B | |
| Taxes Paid | $710M | $1.09B | $1.12B | $1.29B | $1.11B | $847M | $1.02B | $772M | $754M | $1.77B | $1.22B | $1.79B |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 18.7% | 17.9% | 13.0% | 18.8% | 28.7% | 9.3% | 21.8% | 17.0% | 12.6% | 16.2% | 17.7% | 17.9% | |
| Pretax Margin | 24.3% | 23.3% | 16.8% | 24.8% | 37.4% | 12.1% | 28.5% | 22.2% | 21.7% | 25.7% | 28.3% | 28.7% | |
| EBITDA Margin | 2.7% | 2.5% | 2.6% | 2.6% | 2.6% | 2.6% | 2.1% | 1.8% | 1.7% | 1.6% | 1.4% | 1.1% | |
| ROA | 3.0% | 2.9% | 2.0% | 3.0% | 4.4% | 1.4% | 3.5% | 2.8% | 2.1% | 2.6% | 2.8% | 3.1% | |
| ROE | 21.1% | 21.5% | 16.2% | 23.3% | 30.6% | 11.2% | 24.8% | 19.5% | 13.5% | 16.0% | 17.9% | 20.7% |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -2.8% | 13.0% | 8.0% | 8.7% | -0.59% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 5.9% | 9.9% | 5.3% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 5.1% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 8.5% | 64.7% | -15.6% | -16.2% | 223.3% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 14.7% | 5.2% | 31.7% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 32.5% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 1.5% | 56.3% | -25.8% | -28.5% | 204.8% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 5.6% | -6.1% | 17.3% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 20.7% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | -3.9% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 12
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $18.99B | $19.53B | $17.29B | $16.00B | $14.72B | $14.81B | $17.17B | $16.38B | $15.30B | $13.87B | $12.48B | $11.80B | |
| Net Income TTM | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B | $1.39B | $3.75B | $2.79B | $1.94B | $2.25B | $2.21B | $2.11B | |
| Market Cap | $28.95B | $25.24B | $15.54B | $14.40B | $24.44B | $20.27B | $22.18B | $16.86B | $29.75B | $29.65B | $25.36B | $24.80B | |
| P/E | 9.0 | 7.6 | 7.4 | 5.3 | 6.3 | 15.3 | 6.5 | 6.3 | 16.0 | 13.4 | 11.5 | 10.7 | |
| P/S | 1.5 | 1.3 | 0.9 | 0.9 | 1.7 | 1.4 | 1.3 | 1.0 | 1.9 | 2.1 | 2.0 | 2.1 | |
| P/B | 1.7 | 1.5 | 1.1 | 1.1 | 1.8 | 1.6 | 1.5 | 1.1 | 2.1 | 2.1 | 2.0 | 2.4 | |
| P / Tangible Book | 2.0 | 1.7 | 1.3 | 1.3 | 2.1 | 1.9 | · | · | · | · | · | · | |
| P / Cash Flow | 2.9 | 2.6 | 1.8 | 2.2 | 3.4 | 2.7 | 2.5 | 1.8 | 3.3 | 4.3 | 4.1 | 4.6 | |
| Dividend Yield | 1.5% | 1.6% | 2.6% | 3.0% | 2.1% | 2.6% | 2.6% | 3.2% | 1.5% | 0.72% | 0.00% | 0.00% | |
| Earnings Yield | 11.1% | 13.2% | 13.6% | 18.7% | 15.8% | 6.5% | 15.4% | 15.9% | 6.3% | 7.5% | 8.7% | 9.3% | |
| Payout Ratio | 12.0% | 11.4% | 18.1% | 14.4% | 11.8% | 37.5% | 15.5% | 19.1% | 23.1% | 9.5% | · | · | |
| Annual Payout | $427M | $398M | $406M | $434M | $500M | $520M | $581M | $534M | $446M | $214M | $0 | $0 |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $1.16B | · | $992M | $901M | $735M | · | $414M | |
| Interest Income | $5.58B | $5.60B | $5.73B | $5.73B | $5.59B | $5.55B | $5.71B | $5.79B | $5.58B | $5.57B | $5.55B | $5.35B | $5.02B | $4.79B | $4.71B | $4.34B | |
| Pretax Income | $1.19B | $1.05B | $952M | $1.43B | $1.26B | $984M | $973M | $1.03B | $844M | $1.71B | $539M | $833M | $742M | $790M | $741M | $922M | |
| Income Tax | $301M | $242M | $201M | $352M | $289M | $227M | $199M | $239M | $201M | $415M | $99M | $205M | $173M | $189M | $164M | $219M | |
| Net Income | $885M | $805M | $751M | $1.08B | $967M | $757M | $774M | $789M | $643M | $1.29B | $440M | $628M | $569M | $601M | $577M | $703M | |
| EPS (Basic) | $2.61 | $2.29 | $2.07 | $2.89 | $2.51 | $1.91 | $1.95 | $1.96 | $1.56 | $3.17 | $1.04 | $1.49 | $1.32 | $1.36 | $1.31 | $1.48 | |
| EPS (Diluted) | $2.59 | $2.27 | $2.03 | $2.86 | $2.50 | $1.89 | $1.92 | $1.94 | $1.55 | $3.14 | $1.04 | $1.48 | $1.32 | $1.35 | $1.31 | $1.47 | |
| Shares (Basic) | 331,300,000 | 342,400,000 | -757,400,000 | 365,900,000 | 376,200,000 | 385,200,000 | -799,800,000 | 392,300,000 | 399,300,000 | 404,700,000 | -851,900,000 | 416,000,000 | 422,700,000 | 434,400,000 | -996,400,000 | 468,500,000 | |
| Shares (Diluted) | 334,100,000 | 346,000,000 | -764,500,000 | 369,900,000 | 379,100,000 | 389,400,000 | -806,700,000 | 396,500,000 | 402,600,000 | 408,200,000 | -856,300,000 | 418,400,000 | 424,200,000 | 437,200,000 | -1,002,100,000 | 470,700,000 | |
| EBITDA | · | $143M | · | · | · | $125M | · | · | · | $119M | · | · | · | $111M | · | · |
Balance Sheet 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $16.19B | $20.56B | $14.97B | $16.25B | $19.46B | $21.63B | $14.71B | $17.93B | $18.63B | $20.02B | $14.26B | $15.64B | $12.71B | $15.30B | $10.29B | $11.96B | |
| PP&E (Net) | $1.22B | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Goodwill | $1.36B | $1.36B | $1.36B | $1.27B | $1.27B | $1.27B | $1.27B | $1.27B | $1.27B | $1.07B | $1.02B | $1.10B | $1.10B | $1.10B | $1.10B | $1.10B | |
| Intangibles | $152M | $1.22B | $1.25B | $909M | $862M | $847M | $854M | $765M | $776M | $800M | · | $1.17B | $1.23B | $1.30B | · | $1.03B | |
| Total Assets | $121.93B | $121.50B | $119.09B | $116.98B | $120.50B | $122.03B | $119.46B | $119.23B | $120.49B | $121.17B | · | $112.94B | $108.70B | $107.85B | · | $100.77B | |
| Total Liabilities | $105.03B | $105.02B | $102.33B | $99.92B | $103.55B | $105.44B | $102.88B | $103.25B | $104.95B | $105.89B | · | $99.17B | $95.32B | $94.66B | · | $87.75B | |
| Long-term Debt | $16.43B | $16.43B | $15.18B | $14.43B | $16.01B | $17.01B | $15.46B | $15.63B | $15.64B | $16.13B | · | $15.23B | $14.23B | $14.93B | · | $14.32B | |
| Common Stock | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | · | $1M | $1M | $1M | · | $1M | |
| Paid-in Capital | $9.88B | $9.84B | $9.90B | $9.87B | $9.84B | $9.80B | $9.85B | $9.82B | $9.79B | $9.77B | · | $9.75B | $9.73B | $9.71B | · | $9.69B | |
| Retained Earnings | $25.97B | $25.21B | $24.60B | $23.98B | $23.04B | $22.21B | $21.64B | $20.98B | $20.31B | $19.79B | · | $18.34B | $17.83B | $17.37B | · | $16.25B | |
| Treasury Stock | $20.59B | $19.74B | $18.91B | $17.96B | $17.10B | $16.60B | $16.07B | $15.99B | $15.71B | $15.43B | · | $14.96B | $14.81B | $14.51B | · | $13.47B | |
| Stockholders' Equity | $16.90B | $16.48B | $16.77B | $17.07B | $16.95B | $16.58B | $16.58B | $15.98B | $15.54B | $15.28B | $13.90B | $13.77B | $13.38B | $13.19B | $12.87B | $13.01B | |
| Liabilities + Equity | $121.93B | $121.50B | $119.09B | $116.98B | $120.50B | $122.03B | $119.46B | $119.23B | $120.49B | $121.17B | · | $112.94B | $108.70B | $107.85B | · | $100.77B | |
| Shares Outstanding | 325,000,000 | 337,000,000 | 347,000,000 | 360,143,330 | 371,942,844 | 380,537,087 | 388,000,000 | 389,224,881 | 395,115,518 | 401,410,596 | · | 413,785,325 | 418,109,398 | 428,447,828 | · | 458,904,206 |
Cash Flow 9
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $145M | $143M | $139M | $128M | $122M | $125M | $120M | $121M | $121M | $119M | $118M | $116M | $113M | $111M | $101M | $105M | |
| Deferred Tax | $6M | $28M | $13M | $140M | $-23M | $54M | $-18M | $-72M | $-35M | $27M | $-187M | $-120M | $-63M | $-88M | $-236M | $-111M | |
| Other Non-cash | · | $1.21B | · | · | · | $1.26B | · | · | · | $809M | · | · | · | $1.26B | · | · | |
| Operating Cash Flow | $2.42B | $2.18B | $2.45B | $2.64B | $2.56B | $2.20B | $2.35B | $2.76B | $2.48B | $2.25B | $2.32B | $2.48B | $1.91B | $1.89B | $1.85B | $1.63B | |
| Investing Cash Flow | $-5.19B | $1.52B | $-4.64B | $-1.57B | $-2.24B | $3.60B | $-4.96B | $-2.23B | $-2.51B | $798M | $-7.17B | $-2.57B | $-5.19B | $692M | $-6.86B | $-4.14B | |
| Stock Repurchased | $878M | $900M | $962M | $870M | $504M | $605M | $101M | $302M | $305M | $300M | $253M | $152M | $303M | $404M | $701M | $950M | |
| Net Stock Activity | · | $-900M | · | · | · | $-605M | · | · | · | $-300M | · | · | · | $-404M | · | · | |
| Dividends Paid | $100M | $104M | $106M | $110M | $114M | $97M | $97M | $99M | $100M | $102M | $103M | $104M | $99M | $100M | $103M | $109M | |
| Financing Cash Flow | $-596M | $1.88B | $918M | $-4.96B | $-2.82B | $2.12B | $-617M | $-1.23B | $-1.37B | $2.60B | $3.47B | $3.03B | $216M | $2.91B | $2.38B | $4.78B |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 18.6% | 16.9% | · | 22.2% | 20.8% | 16.4% | · | 16.7% | 14.2% | 23.2% | · | 14.1% | 13.6% | 14.6% | · | 17.7% | |
| Pretax Margin | 25.0% | 22.0% | · | 29.5% | 27.1% | 21.3% | · | 21.7% | 18.7% | 30.7% | · | 18.7% | 17.8% | 19.2% | · | 23.2% | |
| EBITDA Margin | · | 3.0% | · | · | · | 2.7% | · | · | · | 2.1% | · | · | · | 2.7% | · | · | |
| ROA | 0.73% | 0.66% | · | 0.91% | 0.80% | 0.62% | · | 0.68% | 0.56% | 1.1% | · | 0.59% | 0.56% | 0.59% | · | 0.73% | |
| ROE | 5.2% | 4.9% | · | 6.5% | 5.9% | 4.8% | · | 5.3% | 4.5% | 9.1% | · | 4.7% | 4.2% | 4.5% | · | 5.2% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $19.00B | $18.87B | · | $18.83B | $18.50B | $19.43B | · | $19.27B | $18.72B | $18.31B | · | $16.72B | $16.27B | $15.98B | · | $15.62B | |
| Net Income TTM | $3.73B | $3.61B | · | $3.59B | $3.16B | $3.48B | · | $3.35B | $3.13B | $3.09B | · | $2.50B | $2.68B | $3.04B | · | $3.58B | |
| Market Cap | $24.72B | $22.92B | · | $25.59B | $24.82B | $20.15B | · | $19.41B | $18.65B | $17.31B | · | $12.65B | $14.18B | $12.46B | · | $12.94B | |
| P/E | 7.4 | 7.1 | · | 7.7 | 8.5 | 6.2 | · | 6.2 | 6.3 | 5.9 | · | 5.4 | 5.9 | 4.7 | · | 4.1 | |
| P/S | 1.3 | 1.2 | · | 1.4 | 1.3 | 1.0 | · | 1.0 | 1.0 | 0.9 | · | 0.8 | 0.9 | 0.8 | · | 0.8 | |
| P/B | 1.5 | 1.4 | · | 1.5 | 1.5 | 1.2 | · | 1.2 | 1.2 | 1.1 | · | 0.9 | 1.1 | 0.9 | · | 1.0 | |
| P / Tangible Book | 1.6 | 1.7 | · | 1.7 | 1.7 | 1.4 | · | 1.4 | 1.4 | 1.3 | · | 1.1 | 1.3 | 1.2 | · | 1.2 | |
| P / Cash Flow | · | 10.5 | · | · | · | 9.2 | · | · | · | 7.7 | · | · | · | 6.6 | · | · | |
| Earnings Yield | 13.4% | 14.0% | · | 12.9% | 11.8% | 16.1% | · | 16.3% | 15.9% | 16.9% | · | 18.4% | 16.9% | 21.3% | · | 24.3% | |
| Payout Ratio | · | 12.9% | · | · | · | 12.8% | · | · | · | 7.9% | · | · | · | 16.6% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $3.55B | $3.50B | $2.24B | $3.02B | $4.22B |
| Diluted EPS | $9.28 | $8.55 | $5.19 | $6.15 | $7.34 |
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Institutional owners (13F) 1,097 filers · $16.5B total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 128 (-11 vs prior Q) | 68 (-58 vs prior Q) | 385 (+41 vs prior Q) | 344 (-17 vs prior Q) | +44.9M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $1,674,158,996 | 22,013,925 | 10.15% | Shares |
| Capital World Investors | $1,438,778,847 | 18,918,854 | 8.72% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,375,745,869 | 18,090,018 | 8.34% | Shares |
| STATE STREET CORP | $1,348,609,708 | 17,733,198 | 8.17% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $675,758,654 | 8,751,699 | 4.10% | Shares |
| FIRST TRUST ADVISORS LP | $585,451,280 | 7,698,248 | 3.55% | Shares |
| PAR CAPITAL MANAGEMENT INC | $578,903,019 | 7,612,137 | 3.51% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $388,256,104 | 5,105,273 | 2.35% | Shares |
| ASSETMARK, INC | $334,830,580 | 4,402,769 | 2.03% | Shares |
| AMERIPRISE FINANCIAL INC | $321,961,624 | 4,233,539 | 1.95% | Shares |
| NORGES BANK | $305,660,844 | 4,019,209 | 1.85% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $230,793,194 | 3,034,756 | 1.40% | Shares |
| NORDEA INVESTMENT MANAGEMENT AB | $226,589,594 | 2,924,114 | 1.37% | Shares |
| BARCLAYS PLC | $221,609,700 | 2,914,000 | 1.34% | Shares |
| Robeco Institutional Asset Management B.V. | $215,215,797 | 2,829,925 | 1.30% | Shares |
| GOLDMAN SACHS GROUP INC | $204,464,406 | 2,688,552 | 1.24% | Shares |
| AustralianSuper Pty Ltd | $191,109,467 | 2,512,945 | 1.16% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $145,581,831 | 1,914,291 | 0.88% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $143,627,726 | 1,888,596 | 0.87% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $139,383,071 | 1,832,782 | 0.84% | Shares |
| AMERICAN CENTURY COMPANIES INC | $129,399,419 | 1,701,503 | 0.78% | Shares |
| HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND | $116,320,756 | 1,529,530 | 0.70% | Shares |
| Caisse de depot et placement du Quebec | $114,215,845 | 1,501,852 | 0.69% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $110,705,301 | 1,455,691 | 0.67% | Shares |
| Qube Research & Technologies Ltd | $109,883,352 | 1,444,883 | 0.67% | Shares |
| Squarepoint Ops LLC | $98,010,882 | 1,288,769 | 0.59% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $93,881,750 | 1,234,474 | 0.57% | Shares |
| Quantinno Capital Management LP | $88,458,009 | 1,163,155 | 0.54% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $85,863,340 | 1,129,038 | 0.52% | Shares |
| National Pension Service | $83,253,228 | 1,094,717 | 0.50% | Shares |
| BlackRock, Inc. | $83,246,764 | 1,094,632 | 0.50% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $82,946,594 | 1,090,685 | 0.50% | Shares |
| WORLDQUANT MILLENNIUM ADVISORS LLC | $82,048,748 | 1,078,879 | 0.50% | Shares |
| SCHRODER INVESTMENT MANAGEMENT GROUP | $79,642,526 | 1,047,239 | 0.48% | Shares |
| FULLER & THALER ASSET MANAGEMENT, INC. | $77,516,045 | 1,019,277 | 0.47% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $75,661,993 | 994,898 | 0.46% | Shares |
| Swiss National Bank | $74,555,085 | 980,343 | 0.45% | Shares |
| Vest Financial, LLC | $71,771,732 | 943,744 | 0.43% | Shares |
| PFA Pension, Forsikringsaktieselskab | $70,844,110 | 931,546 | 0.43% | Shares |
| Legal & General Group Plc | $68,228,485 | 897,153 | 0.41% | Shares |
| Sumitomo Mitsui Trust Group, Inc. | $65,932,156 | 866,958 | 0.40% | Shares |
| Vanguard Global Advisers, LLC | $65,262,231 | 858,149 | 0.40% | Shares |
| California Public Employees Retirement System | $63,848,918 | 839,565 | 0.39% | Shares |
| Mitsubishi UFJ Asset Management Co., Ltd. | $62,421,612 | 820,797 | 0.38% | Shares |
| Assenagon Asset Management S.A. | $62,178,936 | 817,606 | 0.38% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $60,558,919 | 796,304 | 0.37% | Shares |
| MACKENZIE FINANCIAL CORP | $55,960,860 | 735,843 | 0.34% | Shares |
| Nuveen Asset Management, LLC | $53,881,230 | 828,942 | 0.33% | Shares |
| CITADEL ADVISORS LLC | $53,736,930 | 706,600 | 0.33% | Call option |
| Hosking Partners LLP | $53,411,816 | 702,325 | 0.32% | Shares |
| SEI INVESTMENTS CO | $51,297,920 | 674,529 | 0.31% | Shares |
| RHUMBLINE ADVISERS | $49,598,264 | 652,181 | 0.30% | Shares |
| BANK OF AMERICA CORP /DE/ | $49,553,876 | 651,596 | 0.30% | Shares |
| VIRGINIA RETIREMENT SYSTEMS ET Al | $48,220,037 | 577,970 | 0.29% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $45,734,036 | 601,368 | 0.28% | Shares |
| Brandywine Global Investment Management, LLC | $43,693,542 | 523,715 | 0.26% | Shares |
| FRANKLIN RESOURCES INC | $43,300,436 | 569,368 | 0.26% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $41,969,564 | 617,018 | 0.25% | Shares |
| Aware Super Pty Ltd as trustee of Aware Super | $41,619,351 | 547,263 | 0.25% | Shares |
| TWO SIGMA INVESTMENTS, LP | $41,536,000 | 546,167 | 0.25% | Shares |
| Eurizon Capital SGR S.p.A. | $41,455,277 | 544,741 | 0.25% | Shares |
| Solel Partners LP | $39,918,645 | 524,900 | 0.24% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $39,389,869 | 517,947 | 0.24% | Shares |
| Candriam S.C.A. | $38,572,677 | 507,690 | 0.23% | Shares |
| NOMURA ASSET MANAGEMENT INTERNATIONAL INC. | $38,568,000 | 507,136 | 0.23% | Shares |
| Vinva Investment Management Ltd | $37,180,139 | 474,418 | 0.23% | Shares |
| PRUDENTIAL FINANCIAL INC | $36,760,212 | 483,369 | 0.22% | Shares |
| Azora Capital LP | $36,615,717 | 481,469 | 0.22% | Shares |
| Zurcher Kantonalbank (Zurich Cantonalbank) | $36,027,395 | 473,733 | 0.22% | Shares |
| Grantham, Mayo, Van Otterloo & Co. LLC | $35,772,247 | 470,378 | 0.22% | Shares |
| JANE STREET GROUP, LLC | $35,683,268 | 469,208 | 0.22% | Shares |
| GATEWAY INVESTMENT ADVISERS LLC | $34,894,934 | 458,842 | 0.21% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $32,645,791 | 479,944 | 0.20% | Shares |
| WEDGE CAPITAL MANAGEMENT L L P/NC | $32,265,763 | 474,357 | 0.20% | Shares |
| STOREBRAND ASSET MANAGEMENT AS | $31,043,002 | 408,192 | 0.19% | Shares |
| PRINCIPAL FINANCIAL GROUP INC | $30,897,898 | 406,284 | 0.19% | Shares |
| Artemis Investment Management LLP | $30,666,098 | 403,236 | 0.19% | Shares |
| Pictet Asset Management Holding SA | $30,513,987 | 401,194 | 0.18% | Shares |
| Khrom Capital Management LLC | $30,041,499 | 395,023 | 0.18% | Shares |
| Arbejdsmarkedets Tillaegspension | $29,499,795 | 387,900 | 0.18% | Shares |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $28,609,787 | 376,197 | 0.17% | Shares |
| Ensign Peak Advisors, Inc | $27,342,865 | 359,538 | 0.17% | Shares |
| TUDOR INVESTMENT CORP ET AL | $27,181,791 | 357,420 | 0.16% | Shares |
| Alberta Investment Management Corp | $27,005,355 | 355,100 | 0.16% | Shares |
| Illinois Municipal Retirement Fund | $25,522,988 | 335,608 | 0.15% | Shares |
| RAYMOND JAMES FINANCIAL INC | $25,106,557 | 330,132 | 0.15% | Shares |
| STATE BOARD OF ADMINISTRATION OF FLORIDA RETIREMENT SYSTEM | $25,090,948 | 329,927 | 0.15% | Shares |
| ALLIANCEBERNSTEIN L.P. | $24,675,139 | 362,763 | 0.15% | Shares |
| Mediolanum International Funds Ltd | $24,649,168 | 314,523 | 0.15% | Shares |
| TODD ASSET MANAGEMENT LLC | $24,637,919 | 323,970 | 0.15% | Shares |
| AVIVA PLC | $24,597,308 | 323,436 | 0.15% | Shares |
| PARUS FINANCE (UK) Ltd | $24,308,546 | 319,639 | 0.15% | Shares |
| DEUTSCHE BANK AG\ | $23,673,300 | 311,286 | 0.14% | Shares |
| MILLENNIUM MANAGEMENT LLC | $23,304,154 | 306,432 | 0.14% | Shares |
| Korea Investment CORP | $22,872,494 | 300,756 | 0.14% | Shares |
| Tredje AP-fonden | $22,573,085 | 296,819 | 0.14% | Shares |
| ENVESTNET ASSET MANAGEMENT INC | $22,057,342 | 290,045 | 0.13% | Shares |
| MACQUARIE GROUP LTD | $21,200,915 | 278,776 | 0.13% | Shares |
| TWO SIGMA ADVISERS, LP | $20,190,060 | 242,000 | 0.12% | Shares |
| United Super Pty Ltd in its capacity as Trustee for the Construction & Building Unions Superannuation Fund | $20,060,925 | 263,786 | 0.12% | Shares |
Company insiders 27 insiders · 11 officers · 17 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Brian D Doubles | President and CEO | July 28, 2026 F | 827,886 | 0 | 0 | $0 |
| David Fasoli | Executive Vice President and Chief Executive Officer-CareCredit | Sept. 17, 2015 F | 68,848 | 0 | 0 | $0 |
| Glenn P Marino | Executive Vice President and Chief Executive Officer-Payment Solutions and Chief Commercial Officer | Sept. 17, 2015 F | 117,761 | 0 | 0 | $0 |
| Thomas M Quindlen | Executive Vice President and Chief Executive Officer-Retail Card | Sept. 17, 2015 F | 150,888 | 0 | 0 | $0 |
| Margaret M Keane | President and CEO | Sept. 17, 2015 F | 305,268 | 0 | 0 | $0 |
| Courtney Gentleman | Officer | Aug. 3, 2026 S | 18,620 | 0 | 1 | $-55,322 |
| Darrell Owens | Officer | Aug. 3, 2026 S | 16,410 | 0 | 1 | $-46,805 |
| Amy Tiliakos | Officer | July 31, 2026 F | 19,900 | 0 | 0 | $0 |
| David P Melito | Senior Vice President, Chief Accounting Officer and Controller | Sept. 17, 2015 F | 38,259 | 0 | 0 | $0 |
| Jonathan S Mothner | Executive Vice President, General Counsel and Secretary | Sept. 17, 2015 F | 94,992 | 0 | 0 | $0 |
| Henry F Greig | Executive Vice President, Chief Risk Officer | Sept. 17, 2015 F | 127,276 | 0 | 0 | $0 |
| Arthur W Coviello JR | Director | Aug. 3, 2026 S | 26,144 | 0 | 4 | $-1,495,600 |
| Kamila K Chytil | Director | June 30, 2026 A | 17,918 | 0 | 0 | $0 |
| Laurel Richie | Director | June 30, 2026 A | 51,691 | 0 | 0 | $0 |
| Daniel O Colao | Director | June 30, 2026 A | 5,672 | 0 | 0 | $0 |
| P.W. Parker | Director | June 30, 2026 A | 34,475 | 0 | 0 | $0 |
| Ellen M Zane | Director | June 30, 2026 A | 32,229 | 0 | 0 | $0 |
| Paget Leonard Alves | Director | June 30, 2026 A | 52,383 | 0 | 0 | $0 |
| Fernando Aguirre | Director | June 30, 2026 A | 30,262 | 0 | 0 | $0 |
| Deborah G Ellinger | Director | June 30, 2026 A | 2,342 | 0 | 0 | $0 |
| Jeffrey G Naylor | Director | June 30, 2026 A | 65,417 | 0 | 0 | $0 |
| Roy A Guthrie | Director | June 30, 2026 A | 40,704 | 0 | 0 | $0 |
| Anne Kennelly Kratky | Director | Nov. 17, 2015 P | 1,639 | 0 | 0 | $0 |
| William H Cary | Director | Sept. 30, 2015 A | 2,320 | 0 | 0 | $0 |
| Richard C Hartnack | Director | Sept. 30, 2015 A | 6,668 | 0 | 0 | $0 |
| Alexander Dimitrief | Director | July 31, 2014 P | 10,000 | 0 | 0 | $0 |
| Alberto Casellas | — | Aug. 13, 2026 M | 50,512 | 0 | 1 | $-436,480 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 213 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| ZIG · ETF Series Solutions | 3.71% | 15,931 NS | April 30, 2026 | N-PORT |
| VLLU · Harbor ETF Trust | 2.95% | 1,682 NS | April 30, 2026 | N-PORT |
| WLTG · ETF Opportunities Trust | 2.29% | 22,854 NS | April 30, 2026 | N-PORT |
| PGF · Invesco Exchange-Traded Fund Trust | 2.15% | 650,638 | Aug. 8, 2026 | Daily |
| FDIV · EA Series Trust | 1.97% | 18,754 NS | April 30, 2026 | N-PORT |
| BMVP · Invesco Exchange-Traded Fund Trust | 1.77% | 23,578 SH | Aug. 8, 2026 | Daily |
| LYLD · Cambria ETF Trust | 1.71% | 1,348 NS | April 30, 2026 | N-PORT |
| SPVM · Invesco Exchange-Traded Fund Trust | 1.45% | 24,098 SH | Aug. 8, 2026 | Daily |
| OASC · Unified Series Trust | 1.45% | 17,022 NS | May 31, 2026 | N-PORT |
| RDVI · First Trust Exchange-Traded Fund IV | 1.42% | 574,163 NS | April 30, 2026 | N-PORT |
| RSPF · Invesco Exchange-Traded Fund Trust | 1.35% | 52,624 SH | Aug. 8, 2026 | Daily |
| SRHQ · Elevation Series Trust | 1.34% | 33,967 NS | April 30, 2026 | N-PORT |
| NUMV · Nushares ETF Trust | 1.31% | 74,191 NS | April 30, 2026 | N-PORT |
| FXR · First Trust Exchange-Traded AlphaDE… | 1.20% | 109,716 NS | April 30, 2026 | N-PORT |
| SPGP · Invesco Exchange-Traded Fund Trust | 1.19% | 349,422 SH | Aug. 8, 2026 | Daily |
| PGX · Invesco Exchange-Traded Fund Trust … | 1.06% | 1,813,896 | Aug. 8, 2026 | Daily |
| SYLD · Cambria ETF Trust | 1.05% | 132,749 NS | April 30, 2026 | N-PORT |
| CVY · Invesco Exchange-Traded Fund Trust | 1.05% | 16,506 SH | Aug. 8, 2026 | Daily |
| FTA · First Trust Exchange-Traded AlphaDE… | 0.98% | 166,403 NS | April 30, 2026 | N-PORT |
| VAMO · Cambria ETF Trust | 0.95% | 10,314 NS | April 30, 2026 | N-PORT |
| ROE · EA Series Trust | 0.88% | 32,005 NS | May 29, 2026 | N-PORT |
| FLRG · FIDELITY COVINGTON TRUST | 0.85% | 31,523 NS | April 30, 2026 | N-PORT |
| SPHB · Invesco Exchange-Traded Fund Trust … | 0.84% | 100,653 SH | Aug. 8, 2026 | Daily |
| JOET · Virtus ETF Trust II | 0.79% | 24,369 NS | April 30, 2026 | N-PORT |
| AVMV · AMERICAN CENTURY ETF TRUST | 0.72% | 62,839 NS | May 31, 2026 | N-PORT |
| PKW · Invesco Exchange-Traded Fund Trust | 0.70% | 157,079 SH | Aug. 8, 2026 | Daily |
| SDVD · First Trust Exchange-Traded Fund IV | 0.63% | 69,499 NS | April 30, 2026 | N-PORT |
| HIBL · Direxion Shares ETF Trust | 0.61% | 6,272 NS | April 30, 2026 | N-PORT |
| FVAL · FIDELITY COVINGTON TRUST | 0.55% | 87,596 NS | April 30, 2026 | N-PORT |
| QDF · FlexShares Trust | 0.54% | 150,480 NS | April 30, 2026 | N-PORT |
| FCPI · FIDELITY COVINGTON TRUST | 0.52% | 18,552 NS | April 30, 2026 | N-PORT |
| PFF · iShares Trust | 0.51% | 3,112,153 SH | Aug. 8, 2026 | Daily |
| QLC · FlexShares Trust | 0.51% | 60,480 NS | April 30, 2026 | N-PORT |
| BRNY · EA Series Trust | 0.49% | 35,204 NS | April 30, 2026 | N-PORT |
| FAB · First Trust Exchange-Traded AlphaDE… | 0.48% | 8,777 NS | April 30, 2026 | N-PORT |
| FLAG · Global X Funds | 0.48% | 103 NS | April 30, 2026 | N-PORT |
| LGDX · Tidal Trust III | 0.47% | 8,570 NS | April 30, 2026 | N-PORT |
| LSVD · ADVISORS' INNER CIRCLE FUND | 0.47% | 37,039 NS | April 30, 2026 | N-PORT |
| AVLV · AMERICAN CENTURY ETF TRUST | 0.47% | 838,524 NS | May 31, 2026 | N-PORT |
| FEX · First Trust Exchange-Traded AlphaDE… | 0.46% | 90,303 NS | April 30, 2026 | N-PORT |
| KRMA · Global X Funds | 0.46% | 7,712 NS | May 31, 2026 | N-PORT |
| INFO · Harbor ETF Trust | 0.45% | 45,399 NS | April 30, 2026 | N-PORT |
| VOE · VANGUARD INDEX FUNDS | 0.44% | 2,164,471 SH | Aug. 8, 2026 | Daily |
| GLOF · iShares Trust | 0.42% | 11,818 SH | Aug. 8, 2026 | Daily |
| AFLG · First Trust Exchange-Traded Fund VI… | 0.42% | 37,809 NS | May 31, 2026 | N-PORT |
| CLSE · Trust for Professional Managers | 0.41% | 35,043 NS | May 31, 2026 | N-PORT |
| VFQY · VANGUARD WELLINGTON FUND | 0.38% | 23,984 SH | Aug. 8, 2026 | Daily |
| IMCV · iShares Trust | 0.37% | 53,907 SH | Aug. 8, 2026 | Daily |
| IYG · iShares Trust | 0.36% | 101,020 SH | Aug. 8, 2026 | Daily |
| VRP · Invesco Exchange-Traded Fund Trust … | 0.36% | 5,560,278 | Aug. 8, 2026 | Daily |