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What is the plot?
What is the ending?
Short version: John finally tracks down Reynolds, confronts him in his mansion, and kills him. Sophia's fate is tragic: she is already gone by the time the final reckoning arrives, and John ends the story with his revenge fulfilled but no real peace.
Expanded ending, scene by scene:
John's long search ends at Reynolds's isolated mansion, where Reynolds has grown old and wealthy, cut off in a quiet, sealed-off life. John arrives with the history between them still alive in his mind, carrying the anger that has driven him for years.
Before the confrontation, John sends Reynolds a threatening scrapbook of old newspaper clippings, a cold reminder that the past has not disappeared and that John has been closing in on him. It is not just a warning; it is John forcing Reynolds to face the damage he caused.
When John gets inside the mansion, the last confrontation begins. He finds Reynolds and holds him at gunpoint. Reynolds speaks for himself in the only way left to him, saying that he loved Sophia. John answers from the deepest wound in the story: he says that he still does.
John then shoots Reynolds dead.
That is the final act of the film. Reynolds's life ends there, in the house where he had hidden behind money and distance. John completes the revenge that has defined his years after prison.
Sophia does not survive to the end of the story. Her death is the loss that hangs over the final confrontation, and it is what makes John's revenge feel like the closing of a life rather than the beginning of a new one. John's fate is survival, but it is survival marked by obsession, grief, and the end of the chase rather than any clear comfort or reunion.