Synchrony Financial (SYF)

Consumer credit cards, a hub-based workforce. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 6, 2026. Ranked 2 of the 44 Financial Services companies read so far, by the share within reach now.

A card issuer whose filing states its full-time total and nothing by function or country, so one consumer finance pattern carries it.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 41% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 28% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 58% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

20,000 employees as of December 31, 2025 (stated). No count by country is stated; the filing describes a global workforce working from home or from physical hubs, with U.S. ethnicity figures given separately.

The filing: “At December 31, 2025 we had over 20,000 full-time employees.”

The workforce as industry patterns

What the filing says about the workforce: Over 20,000 full-time employees; the workforce was 61% female and 38% male; over 12,000 take part in employee resource groups; a hub model lets employees work from home or a physical hub; a minimum wage of $22.50 an hour for U.S. hourly employees from March 1, 2026; no part-time or union count is stated.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Nondepository Credit Intermediation, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• American Express Company (AXP, 76,800 employees)41% now, 66% by 2028
• Rocket Companies, Inc. (RKT, 23,500 employees)37% now, 61% by 2028
• FirstCash Holdings, Inc (FCFS, 22,000 employees)39% now, 66% by 2028

What the filing says about AI

13 sentences in the filing name AI. The filing describes machine learning algorithms in its marketing personalization and names agentic commerce, AI shopping agents acting for consumers and choosing the payment method, as an emerging technology that could change how its products are used.

• “Our marketing teams offer expertise and experience in omnichannel strategy and planning, utilizing a comprehensive set of marketing technology tools and machine learning algorithms, often tailored to the portfolio or product, focused on expanding and optimizing customer relationships through data-led personalization capabilities. 14 Table of Contents Our proprietary access to data and insights...”
• “The introduction of emerging technology, such as AI shopping agents, may allow for autonomous shopping on behalf of consumers, including the selection of the method of payment used at the point of sale. 23 Table of Contents In addition, some of our competitors are substantially larger than we are, which may give those competitors advantages, including a more diversified product and customer bas...”
• “For example, agentic commerce, which utilizes artificial intelligence ("AI") shopping agents to act on behalf of consumers and businesses, is an emerging AI technology that has the ability to autonomously handle shopping tasks.”
• “AI shopping agents are designed to discern consumer intent and preferences, search and compare products, request financing options, compare rewards, and select what they perceive to be the optimal way for a consumer to purchase a product or service.”
• “Additionally, AI shopping agents are transforming traditional ecommerce by augmenting human involvement in consumer purchases.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20212median 0
• Fiscal 20222median 0
• Fiscal 20232median 1
• Fiscal 20243median 4
• Fiscal 202513median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The count is of full-time employees, stated as over 20,000 and read as 20,000.
• One pattern by description (c); the filing counts no employees by function.
• The U.S. share is not stated.

Source: the company's annual report on EDGAR, accession 0001601712-26-000006, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.