SYF.PRA Pemfailan SEC - Synchrony Financial - Preferred Stock- Laporan Tahunan, Penyata Proksi, Prospektus

Statistik Asas

LEI	549300RS7EWPM9MA6C78
CIK	1601712

SEC Filings

All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Synchrony Financial - Preferred Stock

SEC Filings (Chronological Order)

Halaman ini menyediakan senarai kronologi lengkap bagi Pemfailan SEC, tidak termasuk pemfailan pemilikan yang kami sediakan di tempat lain.

August 15, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 15, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIA UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 15, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
August 15, 2025	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended July 31, 2025. Jul 31, 2025 Jun 30, 2025 May 31, 2025 Apr 30, 2025 Mar 31, 2025 Feb 28, 2025 Jan 31, 2025 Dec 31, 2024 Nov
August 5, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 5, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 5, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
July 29, 2025	EX-4.1	SYNCHRONY FINANCIAL THE BANK OF NEW YORK MELLON, as Trustee FOURTEENTH SUPPLEMENTAL INDENTURE Dated as of July 29, 2025 to the Dated as of August 11, 2014 EX-4.1 Exhibit 4.1 SYNCHRONY FINANCIAL AND THE BANK OF NEW YORK MELLON, as Trustee FOURTEENTH SUPPLEMENTAL INDENTURE Dated as of July 29, 2025 to the INDENTURE Dated as of August 11, 2014 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.01. Relation to Base Indenture 2 Section 1.02. Definition of Terms 2 ARTICLE II GENERAL TERMS AND CONDITIONS OF THE NOTES Section 2.01. Designation and Princ
July 29, 2025	8-K	Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 29, 2025 SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
July 29, 2025	EX-1.1	SYNCHRONY FINANCIAL $500,000,000 5.019% FIXED-TO-FLOATING RATE SENIOR NOTES DUE 2029 $500,000,000 6.000% FIXED-TO-FLOATING RATE SENIOR NOTES DUE 2036 UNDERWRITING AGREEMENT July 24, 2025 EX-1.1 Exhibit 1.1 SYNCHRONY FINANCIAL $500,000,000 5.019% FIXED-TO-FLOATING RATE SENIOR NOTES DUE 2029 $500,000,000 6.000% FIXED-TO-FLOATING RATE SENIOR NOTES DUE 2036 UNDERWRITING AGREEMENT July 24, 2025 July 24, 2025 BofA Securities, Inc. Mizuho Securities USA LLC Wells Fargo Securities, LLC c/o BofA Securities, Inc. One Bryant Park New York, New York 10036 c/o Mizuho Securities USA LLC 1271 Av
July 25, 2025	EX-FILING FEES	Table 1: Newly Registered and Carry Forward Securities Calculation of Filing Fee Tables S-3 Synchrony Financial Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt 5.
July 25, 2025	424B5	$1,000,000,000 $500,000,000 5.019% Fixed-to-Floating Rate Senior Notes due 2029 $500,000,000 6.000% Fixed-to-Floating Rate Senior Notes due 2036 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-288729 PROSPECTUS SUPPLEMENT TO THE PROSPECTUS DATED JULY 17, 2025 $1,000,000,000 $500,000,000 5.019% Fixed-to-Floating Rate Senior Notes due 2029 $500,000,000 6.000% Fixed-to-Floating Rate Senior Notes due 2036 We are offering $500,000,000 aggregate principal amount of 5.019% Fixed-to-Floating Rate Senior Notes due 2029 (the
July 24, 2025	424B5	SUBJECT TO COMPLETION, DATED JULY 24, 2025 424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-288729 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell nor do they solicit an offer to buy these securities in any jurisdiction where the offer or sale is not permitted. SUBJECT TO
July 24, 2025	FWP	$500,000,000 5.019% Fixed-to-Floating Rate Senior Notes due 2029 (the “2029 Notes”) $500,000,000 6.000% Fixed-to-Floating Rate Senior Notes due 2036 (the “2036 Notes”) (together, the “Notes” for this “Offering”) FWP Pricing Term Sheet Issuer Free Writing Prospectus Dated July 24, 2025 Filed Pursuant to Rule 433 Registration Statement No.
July 23, 2025	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
July 23, 2025	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
July 23, 2025	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL
July 22, 2025	EX-99.3	July 22, 2025 SECOND QUARTER 2025 FINANCIAL RESULTS Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial resul a2q25earningspresentatio July 22, 2025 SECOND QUARTER 2025 FINANCIAL RESULTS Exhibit 99.
July 22, 2025	EX-99.1	3.2% Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) July 22, 2025 Second Quarter 2025 Results and Key Metrics STAMFORD, Conn - Synchrony Financial (NYSE: SYF) today announced second quarter 2025 net earnings of $967 million, or $2.50 per diluted share, compared to $643 million, or $1.55 per diluted share in the second quarter 2024. CEO Commentary “Synchrony’s second quarter performa
July 22, 2025	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended June 30, 2025. Jun 30, 2025 May 31, 2025 Apr 30, 2025 Mar 31, 2025 Feb 28, 2025 Jan 31, 2025 Dec 31, 2024 Nov 30, 2024 Oct
July 22, 2025	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain capital measures in this Form 8-K and exhibits. Our “fully-phased Tier 1 Capital and Credit Loss Reserve Ratio” is not required by regulators to be disclosed, and t
July 22, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 22, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 22, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
July 22, 2025	EX-99.2	Rate(1) Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Six Months Ended Jun 30, 2025 Mar 31, 2025 Dec 31, 2024 Sep 30, 2024 Jun 30, 2024 2Q'25 vs. 2Q'24 Jun 30, 2025 Jun 30, 2024 YTD'25 vs. YTD'24 EARNINGS Net interest income $ 4,521 $ 4,464 $ 4,592 $ 4,609 $ 4,405 $ 116 2.6 % $ 8,985 $ 8,810 $ 175 2.0 % Retailer share arrangements (9
July 22, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 22, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 22, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
July 17, 2025	S-3ASR	As filed with the Securities and Exchange Commission on July 17, 2025 S-3ASR Table of Contents As filed with the Securities and Exchange Commission on July 17, 2025 Registration No.
July 17, 2025	EX-25.2	Statement of Eligibility of Trustee on Form T-1 for The Bank of New York Mellon for the Subordinated Indenture, dated as of February 2, 2023 EX-25.2 Exhibit 25.2 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE ☐ CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) THE BANK OF NEW YORK MELLON (Exact name of trustee as specified in its charter) New York 13-516
July 17, 2025	EX-25.1	Statement of Eligibility of Trustee on Form T-1 for The Bank of New York Mellon for the Senior Indenture, dated as of August 11, 2014 EX-25.1 Exhibit 25.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE ☐ CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) THE BANK OF NEW YORK MELLON (Exact name of trustee as specified in its charter) New York (Juris
July 17, 2025	EX-FILING FEES	Filing Fee Table Calculation of Filing Fee Tables S-3 Synchrony Financial Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt Senior Debt Securities 457(r) 0.
June 20, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 17, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 17, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
June 10, 2025	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended May 31, 2025. May 31, 2025 Apr 30, 2025 Mar 31, 2025 Feb 28, 2025 Jan 31, 2025 Dec 31, 2024 Nov 30, 2024 Oct 31, 2024 Sep 3
June 10, 2025	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 10, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
June 9, 2025	EX-99.1	OnePay and Synchrony to Launch New Industry-Leading Credit Card Program With Walmart; Credit Card to Be Powered by Mastercard and Set to Go Live This Fall Synchrony to become exclusive issuer of OnePay credit cards at Walmart, with the credit card ex Exhibit 99.1 OnePay and Synchrony to Launch New Industry-Leading Credit Card Program With Walmart; Credit Card to Be Powered by Mastercard and Set to Go Live This Fall Synchrony to become exclusive issuer of OnePay credit cards at Walmart, with the credit card experience embedded inside the OnePay app The program will add credit cards to OnePay’s growing portfolio of financial services products, h
June 9, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 9, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL ( UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 9, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File Nu
May 15, 2025	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended April 30, 2025. Apr 30, 2025 Mar 31, 2025 Feb 28, 2025 Jan 31, 2025 Dec 31, 2024 Nov 30, 2024 Oct 31, 2024 Sep 30, 2024 Aug
May 15, 2025	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 15, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File Nu
April 25, 2025	DEFA14A	Your Vote Counts! Please check the meeting materials for any special requirements for meeting attendance. Smartphone users Point your camera here and vote without entering a control number For complete information and to vote, visit www.ProxyVote.co Your Vote Counts! Please check the meeting materials for any special requirements for meeting attendance.
April 25, 2025	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) x Definitive Proxy State
April 24, 2025	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL
April 24, 2025	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
April 24, 2025	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
April 22, 2025	EX-99.2	Rate(1) Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Mar 31, 2025 Dec 31, 2024 Sep 30, 2024 Jun 30, 2024 Mar 31, 2024 1Q'25 vs. 1Q'24 EARNINGS Net interest income $ 4,464 $ 4,592 $ 4,609 $ 4,405 $ 4,405 $ 59 1.3 % Retailer share arrangements (895) (919) (914) (810) (764) (131) 17.1 % Other income 149 128 119 117 1,157 (1,008) (87.1)
April 22, 2025	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 22, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
April 22, 2025	EX-99.3	April 22, 2025 FIRST QUARTER 2025 FINANCIAL RESULTS Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial resul April 22, 2025 FIRST QUARTER 2025 FINANCIAL RESULTS Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and should be read in conjunction with the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed t
April 22, 2025	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 22, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
April 22, 2025	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended March 31, 2025. Mar 31, 2025 Feb 28, 2025 Jan 31, 2025 Dec 31, 2024 Nov 30, 2024 Oct 31, 2024 Sep 30, 2024 Aug 31, 2024 Jul
April 22, 2025	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain "adjusted" financial information and metrics in this Form 8-K and exhibits. Such measures have been adjusted to exclude the gain on sale recognized in our Condensed
April 22, 2025	EX-99.1	2.5% Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) April 22, 2025 First Quarter 2025 Results and Key Metrics STAMFORD, Conn - Synchrony Financial (NYSE: SYF) today announced first quarter 2025 net earnings of $757 million, or $1.89 per diluted share, compared to $1.3 billion, or $3.14 per diluted share in the first quarter 2024. Excluding the $802 million post-tax impact of the Pet
March 17, 2025	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 17, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
March 17, 2025	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended February 28, 2025. Feb 28, 2025 Jan 31, 2025 Dec 31, 2024 Nov 30, 2024 Oct 31, 2024 Sep 30, 2024 Aug 31, 2024 Jul 31, 2024
March 6, 2025	8-K	Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 6, 2025 SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
March 6, 2025	EX-1.1	Underwriting Agreement, dated March 3, 2025, among Synchrony Financial and J.P. Morgan Securities LLC, Morgan Stanley & Co. LLC and RBC Capital Markets, LLC, as representatives of the several underwriters listed on Schedule I thereto. Exhibit 1.1 Execution Version SYNCHRONY FINANCIAL $800,000,000 5.450% FIXED-TO-FLOATING RATE SENIOR NOTES DUE 2031 UNDERWRITING AGREEMENT March 3, 2025 March 3, 2025 J.P. Morgan Securities LLC Morgan Stanley & Co. LLC RBC Capital Markets, LLC c/o J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 c/o Morgan Stanley & Co. LLC 1585 Broadway New York, New York 10036 c/o RBC Capita
March 6, 2025	EX-4.1	Thirteenth Supplemental Indenture, dated as of March 6, 2025, between Synchrony Financial and The Bank of New York Mellon, as Trustee. Exhibit 4.1 Execution Version SYNCHRONY FINANCIAL AND THE BANK OF NEW YORK MELLON, as Trustee THIRTEENTH SUPPLEMENTAL INDENTURE Dated as of March 6, 2025 to the INDENTURE Dated as of August 11, 2014 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.01. Relation to Base Indenture 2 Section 1.02. Definition of Terms 2 ARTICLE II GENERAL TERMS AND CONDITIONS OF THE NOTES Section 2.01. Designatio
March 4, 2025	EX-FILING FEES	Calculation of Filing Fee Tables (Form Type) SYNCHRONY FINANCIAL (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Exhibit 107 Calculation of Filing Fee Tables 424(b)(5) (Form Type) SYNCHRONY FINANCIAL (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial effective date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Debt 5.
March 4, 2025	424B5	$800,000,000 5.450% Fixed-to-Floating Rate Senior Notes due 2031 Filed Pursuant to Rule 424(b)(5) Registration No. 333-266264 PROSPECTUS SUPPLEMENT TO THE PROSPECTUS DATED JULY 21, 2022 $800,000,000 5.450% Fixed-to-Floating Rate Senior Notes due 2031 We are offering $800,000,000 aggregate principal amount of 5.450% Fixed-to-Floating Rate Senior Notes due 2031 (the “notes”). During the period from, and including, the issue date, to, but excluding, March 6, 2030,
March 3, 2025	FWP	$800,000,000 5.450% Fixed-to-Floating Rate Senior Notes due 2031 (the “Notes”) (the “Offering”) Pricing Term Sheet Issuer Free Writing Prospectus Dated March 3, 2025 Filed Pursuant to Rule 433 Registration Statement No.
March 3, 2025	424B5	SUBJECT TO COMPLETION, DATED MARCH 3, 2025 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-266264 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell nor do they solicit an offer to buy these securities in any jurisdiction where the offer or sale is not permitted. SUBJECT TO COMPL
February 10, 2025	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended January 31, 2025. Jan 31, 2025 Dec 31, 2024 Nov 30, 2024 Oct 31, 2024 Sep 30, 2024 Aug 31, 2024 Jul 31, 2024 Jun 30, 2024 M
February 10, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 10, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 10, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
February 7, 2025	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
February 7, 2025	EX-4.28	Description of Registrant's Securities Exhibit 4.28 DESCRIPTION OF REGISTRANT’S SECURITIES As of the date of the Annual Report on Form 10-K of which this Exhibit is a part, Synchrony Financial, a Delaware corporation, had three classes of securities registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended: (i) Common Stock, par value $0.001 per share (the “common stock”); (ii) depositary shares, each represe
February 7, 2025	10-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FIN
February 7, 2025	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
February 7, 2025	EX-21	Subsidiaries of the Registrant Exhibit 21 List of Subsidiaries Name of Subsidiary Jurisdiction of Organization CareCredit LLC California Loop Commerce, LLC Delaware Retail Finance Credit Services, LLC Delaware Retail Finance International Holdings, Inc.
February 7, 2025	EX-19	Synchrony Financial Insider Trading Policy Exhibit 19 Synchrony Financial Insider Trading Policy Amended and Restated: December 6, 2024 Contents What to Know & Applicability Employee Responsibilities Derivative Transactions; Margin Accounts and Pledging Additional Restrictions and Requirements applicable to Directors, Section 16 Officers and certain other Company Employees Definitions, Guidelines and Examples Additional responsibilities of Leaders Violations Policy Governance What to Know & Applicability Synchrony Financial (“Synchrony”) and its subsidiaries and affiliates (collectively, the “Company”) are committed to the principles of fair and open markets for publicly traded securities throughout the world.
February 7, 2025	EX-97	Policy Relating to Recovery of Erroneously Awarded Compensation Exhibit 97 SYNCHRONY FINANCIAL Incentive-Based Compensation Recovery Policy Section 1.
January 28, 2025	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain capital measures in this Form 8-K and exhibits. Our “fully-phased Tier 1 Capital and Credit Loss Reserve Ratio” is not required by regulators to be disclosed, and t
January 28, 2025	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended December 31, 2024. Year over year the 30+ delinquency rate at December 31, 2024 was flat, primarily reflecting the impact o
January 28, 2025	EX-99.2	Rate(1) Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Twelve Months Ended Dec 31, 2024 Sep 30, 2024 Jun 30, 2024 Mar 31, 2024 Dec 31, 2023 4Q'24 vs. 4Q'23 Dec 31, 2024 Dec 31, 2023 YTD'24 vs. YTD'23 EARNINGS Net interest income $ 4,592 $ 4,609 $ 4,405 $ 4,405 $ 4,466 $ 126 2.8 % $ 18,011 $ 16,999 $ 1,012 6.0 % Retailer share arrangem
January 28, 2025	EX-99.3	4Q'24 FINANCIAL RESULTS January 28, 2025 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and shou a4q24earningspresentatio 4Q'24 FINANCIAL RESULTS January 28, 2025 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and should be read in conjunction with the earnings release and financial supplement included as exhibits to our Current Report on Fo
January 28, 2025	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 28, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
January 28, 2025	EX-99.1	2.6% Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) January 28, 2025 Fourth Quarter 2024 Results and Key Metrics STAMFORD, Conn - Synchrony Financial (NYSE: SYF) today announced fourth quarter 2024 net earnings of $774 million, or $1.91 per diluted share, compared to $440 million, or $1.03 per diluted share in the fourth quarter 2023. CEO Commentary “Synchrony's fourth quarter perfo
January 28, 2025	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 28, 2025 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
December 10, 2024	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 10, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 10, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
December 10, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended November 30, 2024. The year over year increase in the 30+ delinquency rate at November 30, 2024 and the year over year incr
November 15, 2024	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 15, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 15, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
November 15, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended October 31, 2024. The year over year increase in the 30+ delinquency rate at October 31, 2024 and the year over year increa
October 23, 2024	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
October 23, 2024	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINAN
October 23, 2024	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
October 16, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 16, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
October 16, 2024	EX-99.1	2.6% Return on Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) October 16, 2024 THIRD QUARTER 2024 RESULTS AND KEY METRICS 2.6% Return on Assets 13.1% CET1 Ratio $399M Capital Returned CEO COMMENTARY “Synchrony’s third quarter results reflect our focus on driving value for our many stakeholders through evolving market conditions,” said Brian Doubles, Synchrony’s President and Chief Executive O
October 16, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended September 30, 2024. The year over year increase in the 30+ delinquency rate at September 30, 2024 and the year over year in
October 16, 2024	EX-99.2	Rate(1) Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Nine Months Ended Sep 30, 2024 Jun 30, 2024 Mar 31, 2024 Dec 31, 2023 Sep 30, 2023 3Q'24 vs. 3Q'23 Sep 30, 2024 Sep 30, 2023 YTD'24 vs. YTD'23 EARNINGS Net interest income $ 4,609 $ 4,405 $ 4,405 $ 4,466 $ 4,362 $ 247 5.7 % $ 13,419 $ 12,533 $ 886 7.1 % Retailer share arrangements
October 16, 2024	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 16, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCI UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 16, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
October 16, 2024	EX-99.3	3Q'24 FINANCIAL RESULTS October 16, 2024 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and shou 3Q'24 FINANCIAL RESULTS October 16, 2024 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results and should be read in conjunction with the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and av
October 16, 2024	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain capital measures in this Form 8-K and exhibits. Our “fully-phased Tier 1 Capital and Credit Loss Reserve Ratio” is not required by regulators to be disclosed, and t
September 17, 2024	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 September 12, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission F
September 17, 2024	EX-99.1	Synchrony Names Dan Colao to Board of Directors Seasoned executive deepens financial, risk and strategic expertise Exhibit 99.1 NEWS RELEASE Synchrony Names Dan Colao to Board of Directors Seasoned executive deepens financial, risk and strategic expertise STAMFORD, Conn. – September 17, 2024 – Synchrony Financial (NYSE: SYF), a premier consumer financial services company, today announced Daniel Colao, a retired financial services executive with over 30 years of industry experience, has been appointed to Synchr
September 9, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 September 9, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
September 9, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended August 31, 2024. The year over year increase in the 30+ delinquency rate at August 31, 2024 and the year over year increase
August 15, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended July 31, 2024. The year over year increase in the 30+ delinquency rate at July 31, 2024 and the year over year increase in
August 15, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 15, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
August 2, 2024	EX-4.1	Twelfth Supplemental Indenture, dated as of August 2, 2024, between Synchrony Financial and The Bank of New York Mellon, as Trustee (incorporated by reference to Exhibit 4.1 of Form 8-K filed by Synchrony Financial on August 2, 2024) Exhibit 4.1 Execution Version SYNCHRONY FINANCIAL AND THE BANK OF NEW YORK MELLON, as Trustee TWELFTH SUPPLEMENTAL INDENTURE Dated as of August 2, 2024 to the INDENTURE Dated as of August 11, 2014 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.01. Relation to Base Indenture 2 Section 1.02. Definition of Terms 2 ARTICLE II GENERAL TERMS AND CONDITIONS OF THE NOTES Section 2.01. Designation
August 2, 2024	8-K	Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 2, 2024 SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
August 2, 2024	EX-1.1	Underwriting Agreement, dated July 30, 2024, among Synchrony Financial and Barclays Capital Inc., BofA Securities, Inc. and Mizuho Securities USA LLC, as representatives of the several underwriters listed on Schedule I thereto. Exhibit 1.1 Execution Version SYNCHRONY FINANCIAL $750,000,000 5.935% FIXED-TO-FLOATING RATE SENIOR NOTES DUE 2030 UNDERWRITING AGREEMENT July 30, 2024 July 30, 2024 Barclays Capital Inc. BofA Securities, Inc. Mizuho Securities USA LLC c/o Barclays Capital Inc. 745 Seventh Avenue New York, New York 10019 c/o BofA Securities, Inc. One Bryant Park New York, NY 10036 c/o Mizuho Securities USA LLC 127
August 1, 2024	424B5	$750,000,000 5.935% Fixed-to-Floating Rate Senior Notes due 2030 Filed Pursuant to Rule 424(b)(5) Registration No. 333-266264 PROSPECTUS SUPPLEMENT TO THE PROSPECTUS DATED JULY 21, 2022 $750,000,000 5.935% Fixed-to-Floating Rate Senior Notes due 2030 We are offering $750,000,000 aggregate principal amount of 5.935% Fixed-to-Floating Rate Senior Notes due 2030 (the “notes”). The notes will initially bear interest at the rate of 5.935% per annum, payable semi-ann
August 1, 2024	EX-FILING FEES	Calculation of Filing Fee Tables (Form Type) SYNCHRONY FINANCIAL (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Exhibit 107 Calculation of Filing Fee Tables 424(b)(5) ………….. (Form Type) SYNCHRONY FINANCIAL (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registra
July 30, 2024	FWP	$750,000,000 5.935% Fixed-to-Floating Rate Senior Notes due 2030 (the “Notes”) (the “Offering”) Pricing Term Sheet Issuer Free Writing Prospectus Dated July 30, 2024 Filed Pursuant to Rule 433 Registration Statement No.
July 30, 2024	424B5	SUBJECT TO COMPLETION, DATED JULY 30, 2024 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-266264 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell nor do they solicit an offer to buy these securities in any jurisdiction where the offer or sale is not permitted. SUBJECT TO COMPL
July 19, 2024	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
July 19, 2024	EX-10.4	Form of agreement for awards of Performance Share Units under the Synchrony Financial 2024 Long-Term Incentive Plan Exhibit 10.4 NOTICE OF AWARD OF STOCK-SETTLED PERFORMANCE SHARE UNITS (WITH DIVIDEND EQUIVALENTS) Pursuant to the Synchrony Financial 2024 Long-Term Incentive Plan (the “Plan”), you have been granted this Performance Share Unit (“PSU”) award (this “Award”) with respect to shares of common stock (“Shares”) of Synchrony Financial (“Synchrony”), subject to the terms and conditions set forth in (A) th
July 19, 2024	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
July 19, 2024	EX-10.3	Form of agreement for awards of Restricted Stock Units under the Synchrony Financial 2024 Long-Term Incentive Plan Exhibit 10.3 NOTICE OF AWARD OF STOCK-SETTLED RESTRICTED STOCK UNITS (WITH DIVIDEND EQUIVALENTS) Pursuant to the Synchrony Financial 2024 Long-Term Incentive Plan (the “Plan”), you have been awarded (this “Award”) restricted stock units (“RSUs”), each of which entitles you to receive one share of common stock (each, a “Share”) of Synchrony Financial (“Synchrony”), subject to the terms and conditio
July 19, 2024	EX-10.2	Form of agreement for awards of Restricted Stock units under the Synchrony Financial 2024 Long-Term Incentive Plan to directors Exhibit 10.2 Director RSU NOTICE OF AWARD OF STOCK-SETTLED RESTRICTED STOCK UNITS (WITH DIVIDEND EQUIVALENTS) Pursuant to the Synchrony Financial 2024 Long-Term Incentive Plan (the “Plan”), you have been awarded (this “Award”) restricted stock units (“RSUs”), each of which entitles you to receive one share of common stock (each, a “Share”) of Synchrony Financial (“Synchrony”), subject to the terms
July 19, 2024	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL
July 17, 2024	EX-99.1	2.2% Return on Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) July 17, 2024 SECOND QUARTER 2024 RESULTS AND KEY METRICS 2.2% Return on Assets 12.6% CET1 Ratio $400M Capital Returned CEO COMMENTARY “Synchrony’s second quarter results highlight our sustained, high level of execution, as we lean on our core strengths to deliver resilient earnings while positioning our business for future growth,
July 17, 2024	EX-99.2	SYNCHRONY FINANCIAL Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Six Months Ended Jun 30, 2024 Mar 31, 2024 Dec 31, 2023 Sep 30, 2023 Jun 30, 2023 2Q'24 vs. 2Q'23 Jun 30, 2024 Jun 30, 2023 YTD'24 vs. YTD'23 EARNINGS Net interest income $ 4,405 $ 4,405 $ 4,466 $ 4,362 $ 4,120 $ 285 6.9 % $ 8,810 $ 8,171 $ 639 7.8 % Retailer share arrangements (8
July 17, 2024	EX-99.3	2Q'24 FINANCIAL RESULTS July 17, 2024 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No represe 2Q'24 FINANCIAL RESULTS July 17, 2024 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement includ
July 17, 2024	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 17, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
July 17, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended June 30, 2024. The year over year increase in the 30+ delinquency rate at June 30, 2024 and the year over year increase in
July 17, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 17, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
July 17, 2024	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain capital measures in this Form 8-K and exhibits. Our “fully-phased Tier 1 Capital and Credit Loss Reserve Ratio” is not required by regulators to be disclosed, and t
July 1, 2024	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 28, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
June 28, 2024	S-8 POS	As filed with the Securities and Exchange Commission on June 28, 2024 As filed with the Securities and Exchange Commission on June 28, 2024 Registration No.
June 28, 2024	S-8	As filed with the Securities and Exchange Commission on June 28, 2024 As filed with the Securities and Exchange Commission on June 28, 2024 Registration No.
June 28, 2024	EX-FILING FEES	Filing Fee Table. Exhibit 107 Calculation of Filing Fee Tables Form S-8 (Form Type) Synchrony Financial Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit(2) Maximum Aggregate Offering Price(2) Fee Rate Amount of Registration Fee Equity Common Stock, $0.
June 13, 2024	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 11, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 11, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
June 13, 2024	EX-3.1	Second Amended and Restated Certificate of Incorporation of the Registrant (incorporated by reference to Exhibit 3.1 to the Registrant’s Current Report on Form 8-K filed with the Commission on June 13, 2024). Exhibit 3.1 SECOND AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF SYNCHRONY FINANCIAL SYNCHRONY FINANCIAL, a corporation organized and existing under the General Corporation Law of the State of Delaware (the “DGCL”), hereby certifies as follows: 1.The name of the corporation is SYNCHRONY FINANCIAL. The name under which the corporation was originally incorporated was GESF-E Inc. The date of t
June 13, 2024	EX-10.1	Synchrony Financial 2024 Long-Term Incentive Plan (incorporated by reference to Exhibit 10.1 to the Registrant’s Current Report on Form 8-K filed with the Commission on June 13, 2024). Exhibit 10.1 SYNCHRONY FINANCIAL 2024 LONG-TERM INCENTIVE PLAN SECTION 1. PURPOSE The purposes of this Synchrony Financial 2024 Long-Term Incentive Plan (the “Plan”) are to encourage selected officers, employees, non-employee directors and consultants of Synchrony Financial (together with any successor thereto, the “Company”) and its Affiliates (as defined below) to acquire a proprietary interest
June 10, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 10, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
June 10, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended May 31, 2024. The year over year increase in the 30+ delinquency rate at May 31, 2024 and the year over year increase in ne
June 3, 2024	DEFA14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) o Definitive Proxy State
May 15, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended April 30, 2024. The year over year increase in the 30+ delinquency rate at April 30, 2024 and the year over year increase i
May 15, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 15, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File Nu
April 25, 2024	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL
April 25, 2024	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
April 25, 2024	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
April 25, 2024	DEFA14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) o Definitive Proxy State
April 25, 2024	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) x Defi
April 24, 2024	EX-99.2	SYNCHRONY FINANCIAL Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Mar 31, 2024 Dec 31, 2023 Sep 30, 2023 Jun 30, 2023 Mar 31, 2023 1Q'24 vs. 1Q'23 EARNINGS Net interest income $ 4,405 $ 4,466 $ 4,362 $ 4,120 $ 4,051 $ 354 8.7 % Retailer share arrangements (764) (878) (979) (887) (917) 153 (16.7) % Other income 1,157 71 92 61 65 1,092 NM Net reve
April 24, 2024	EX-99.3	1Q'24 FINANCIAL RESULTS April 24, 2024 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No repres 1Q'24 FINANCIAL RESULTS April 24, 2024 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement inclu
April 24, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended March 31, 2024. The year over year increase in the 30+ delinquency rate at March 31, 2024 and the year over year increase i
April 24, 2024	EX-99.1	4.4% Return on Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) April 24, 2024 FIRST QUARTER 2024 RESULTS AND KEY METRICS 4.4% Return on Assets 12.6% CET1 Ratio $402M Capital Returned CEO COMMENTARY “Synchrony’s first quarter performance highlights the resiliency of our business model and focus on delivering sustainable, strong results for each of our stakeholders,” said Brian Doubles, Synchron
April 24, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 24, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
April 24, 2024	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 24, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
April 24, 2024	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain "adjusted" financial information and metrics in this Form 8-K and exhibits. Such measures have been adjusted to exclude the gain on sale recognized in our Condensed
April 12, 2024	PRE 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: x Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) o Defi
March 15, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 15, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
March 15, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended February 29, 2024. The year over year increase in the 30+ delinquency rate at February 29, 2024 and the year over year incr
March 5, 2024	EX-99.1	1 Impact of Late Fee Regulation Key Elements • Amended Safe Harbor from $30/$41 to single $8 amount and eliminated inflation adjustment • Effective date 60 days after rule published in the Federal Register • Detailed analysis of rule on-going Litigat 1 Impact of Late Fee Regulation Key Elements • Amended Safe Harbor from $30/$41 to single $8 amount and eliminated inflation adjustment • Effective date 60 days after rule published in the Federal Register • Detailed analysis of rule on-going Litigation • Anticipate litigation being filed with broad industry support • Expect request for preliminary injunction to delay effective date / pause rule i
March 5, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 5, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
February 23, 2024	8-K	Material Modification to Rights of Security Holders, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 23, 2024 SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission F
February 23, 2024	8-A12B	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 SYNCHRONY FINANCIAL (Exact name of registrant a UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 51-0483352 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 77
February 23, 2024	EX-4.2	Deposit Agreement, dated February 23, 2024, by and among Synchrony Financial, Computershare Inc. and Computershare Trust Company, N.A., collectively as Depositary, and the holders from time to time of the Depositary Receipts described therein (Incorporated by reference to the Current Report on Form 8-K of Synchrony Financial (File No. 001-36560), as filed with the SEC on February 23, 2024). Exhibit 4.2 DEPOSIT AGREEMENT among SYNCHRONY FINANCIAL, COMPUTERSHARE INC. and COMPUTERSHARE TRUST COMPANY, N.A., as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of February 23, 2024 TABLE OF CONTENTS Page ARTICLE I DEFINED TERMS 1 Section 1.1 Definitions 1 ARTICLE II FORM OF RECEIPTS, DEPOSIT OF SERIES B PREFERRED STOCK, EXECUTION AND DELIVER
February 23, 2024	EX-4.1	Certificate of Designations of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B, dated February 22, 2024 (incorporated by reference to Exhibit 4.1 of Form 8-K filed by Synchrony Financial on February 23, 2024) Exhibit 4.1 CERTIFICATE OF DESIGNATIONS OF 8.250% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B OF SYNCHRONY FINANCIAL Synchrony Financial, a corporation organized and existing under the General Corporation Law of the State of Delaware (the “Corporation”), in accordance with the provisions of Sections 141 and 151 thereof, does hereby certify: At a meeting of the Board of Dire
February 23, 2024	EX-1.1	Underwriting Agreement, dated February 15, 2024, among Synchrony Financial and Morgan Stanley & Co. LLC, BofA Securities, Inc., J.P. Morgan Securities LLC, RBC Capital Markets, LLC and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I thereto. Exhibit 1.1 20,000,000 DEPOSITARY SHARES EACH REPRESENTING A 1/40TH INTEREST IN A SHARE OF 8.250% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B OF SYNCHRONY FINANCIAL UNDERWRITING AGREEMENT February 15, 2024 February 15, 2024 Morgan Stanley & Co. LLC BofA Securities, Inc. J.P. Morgan Securities LLC RBC Capital Markets, LLC Wells Fargo Securities, LLC c/o Morgan Stanley & Co.
February 16, 2024	424B5	20,000,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-266264 PROSPECTUS SUPPLEMENT TO THE PROSPECTUS DATED JULY 21, 2022 20,000,000 Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B We are offering 20,000,000 depositary shares, each representing a 1/40th ownership interest in a share of o
February 16, 2024	EX-FILING FEES	Calculation of Filing Fee Tables (Form Type) Synchrony Financial (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Am EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables 424(b)(5) (Form Type) Synchrony Financial (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee(2) Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Equity Depositary Shares Each Representing a 1/40th Interest in a Share of 8.
February 15, 2024	424B5	SUBJECT TO COMPLETION, DATED FEBRUARY 15, 2024 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-266264 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanyingprospectus are not an offer to sell these securities and are not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not permitte
February 15, 2024	FWP	DEPOSITARY SHARES EACH REPRESENTING A 1/40TH INTEREST IN A SHARE OF 8.250% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B Pricing Term Sheet Issuer Free Writing Prospectus Dated February 15, 2024 Filed Pursuant to Rule 433 Registration Statement No.
February 15, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 15, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
February 15, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended January 31, 2024. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan rece
February 13, 2024	SC 13G/A	SYF / Synchrony Financial / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment SC 13G/A 1 tv02027-synchronyfinancial.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 9)* Name of issuer: Synchrony Financial Title of Class of Securities: Common Stock CUSIP Number: 87165B103 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to desig
February 9, 2024	SC 13G/A	SYF / Synchrony Financial / Capital World Investors - SEC SCHEDULE 13G Passive Investment SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* Synchrony Financial (Name of Issuer) Common Stock (Title of Class of Securities) 87165B103 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to
February 8, 2024	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
February 8, 2024	EX-10.129	Amended and Restated form of agreement for awards of Restricted Stock Units under Synchrony 2014 Long-Term Incentive Plan (for awards made on or after March 1, 2022) Exhibit 10.129 NOTICE OF AWARD OF STOCK-SETTLED RESTRICTED STOCK UNITS (WITH DIVIDEND EQUIVALENTS) Pursuant to the Synchrony Financial 2014 Long-Term Incentive Plan (the “Plan”), you have been awarded (this “Award”) restricted stock units (“RSUs”), each of which entitles you to receive one share of common stock (each, a “Share”) of Synchrony Financial (“Synchrony”), subject to the terms and condit
February 8, 2024	EX-97	lating to Recovery of Erroneously Awar Exhibit 97 SYNCHRONY FINANCIAL Incentive-Based Compensation Recovery Policy Section 1.
February 8, 2024	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
February 8, 2024	10-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FIN
February 8, 2024	EX-10.130	Amended and Restated form of agreement for awards of Performance Share Units under Synchrony 2014 Long-Term Incentive Plan (for awards made on or after March 1, 2023) Exhibit 10.130 NOTICE OF AWARD OF STOCK-SETTLED PERFORMANCE SHARE UNITS (WITH DIVIDEND EQUIVALENTS) Pursuant to the Synchrony Financial 2014 Long-Term Incentive Plan (the “Plan”), you have been granted this Performance Share Unit (“PSU”) award (this “Award”) with respect to shares of common stock (“Shares”) of Synchrony Financial (“Synchrony”), subject to the terms and conditions set forth in (A)
February 8, 2024	EX-21.1	Subsidiaries of the Registrant Exhibit 21.1 List of Subsidiaries Name of Subsidiary Jurisdiction of Organization CareCredit LLC California Loop Commerce, LLC Delaware Pets Best Insurance Services, LLC Idaho 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 Delawar
February 8, 2024	EX-4.24	Exhibit 4.24 Exhibit 4.24 DESCRIPTION OF REGISTRANT’S SECURITIES As of the date of the Annual Report on Form 10-K of which this Exhibit is a part, Synchrony Financial, a Delaware corporation, had two classes of securities registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended: Common Stock, par value $0.001 per share (the “common stock”) and depositary shares, each representing a
January 23, 2024	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain capital measures in this Form 8-K and exhibits. Our “fully-phased Tier 1 Capital and Credit Loss Reserve Ratio” is not required by regulators to be disclosed, and t
January 23, 2024	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 23, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCI UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 23, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
January 23, 2024	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 23, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCI UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 23, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
January 23, 2024	EX-99.1	1.5% Return on Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) January 23, 2024 FOURTH QUARTER 2023 RESULTS AND KEY METRICS 1.5% Return on Assets 12.2% CET1 Ratio $353M Capital Returned CEO COMMENTARY “Synchrony’s strong fourth quarter performance underscored the power of our differentiated business model, supported by continued consumer resilience,” said Brian Doubles, Synchrony’s President a
January 23, 2024	EX-99.2	SYNCHRONY FINANCIAL Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Twelve Months Ended Dec 31, 2023 Sep 30, 2023 Jun 30, 2023 Mar 31, 2023 Dec 31, 2022 4Q'23 vs. 4Q'22 Dec 31, 2023 Dec 31, 2022 YTD'23 vs. YTD'22 EARNINGS Net interest income $ 4,466 $ 4,362 $ 4,120 $ 4,051 $ 4,106 $ 360 8.8 % $ 16,999 $ 15,625 $ 1,374 8.8 % Retailer share arrangem
January 23, 2024	EX-99.3	4Q'23 FINANCIAL RESULTS January 23, 2024 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No repr 4Q'23 FINANCIAL RESULTS January 23, 2024 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement inc
January 23, 2024	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended December 31, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan rec
January 17, 2024	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 16, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCI UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 16, 2024 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
December 15, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended November 30, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan rec
December 15, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 15, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 15, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
November 27, 2023	8-K	Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 23, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
November 15, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 15, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 15, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
November 15, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended October 31, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan rece
October 24, 2023	EX-99.1	2.3% Return on Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) October 24, 2023 THIRD QUARTER 2023 RESULTS AND KEY METRICS 2.3% Return on Assets 12.4% CET1 Ratio $254M Capital Returned CEO COMMENTARY “Synchrony’s financial performance highlights the strength of our differentiated model and the continued resilience of our customers, who continue to gradually revert to historic spend and payment
October 24, 2023	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
October 24, 2023	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
October 24, 2023	EX-99.3	3Q'23 FINANCIAL RESULTS October 24, 2023 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No repr 3Q'23 FINANCIAL RESULTS October 24, 2023 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement inc
October 24, 2023	EX-99.2	SYNCHRONY FINANCIAL Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Nine Months Ended Sep 30, 2023 Jun 30, 2023 Mar 31, 2023 Dec 31, 2022 Sep 30, 2022 3Q'23 vs. 3Q'22 Sep 30, 2023 Sep 30, 2022 YTD'23 vs. YTD'22 EARNINGS Net interest income $ 4,362 $ 4,120 $ 4,051 $ 4,106 $ 3,928 $ 434 11.0 % $ 12,533 $ 11,519 $ 1,014 8.8 % Retailer share arrangeme
October 24, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended September 30, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan re
October 24, 2023	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain capital measures in this Form 8-K and exhibits. Our “fully-phased Tier 1 Capital and Credit Loss Reserve Ratio” is not required by regulators to be disclosed, and t
October 24, 2023	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 24, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
October 24, 2023	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINAN
October 24, 2023	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 24, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
September 11, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended August 31, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan recei
September 11, 2023	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 September 11, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission F
August 15, 2023	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 15, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
August 15, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended July 31, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan receiva
July 21, 2023	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
July 21, 2023	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL
July 21, 2023	EX-10.1	Second Amended and Restated Synchrony Financial Executive Severance Plan EXHIBIT 10.1 SYNCHRONY FINANCIAL EXECUTIVE SEVERANCE PLAN This document constitutes the Synchrony Financial Executive Severance Plan (the “Plan”). The Plan is intended to secure the continued services and ensure the continued dedication of the Participants. The purpose of the Plan is to provide benefits to a group of employees of the Company and its participating Affiliates that constitutes a “sel
July 21, 2023	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
July 18, 2023	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 18, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
July 18, 2023	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain information on our loan receivables that have been adjusted to exclude amounts related to portfolio sales in the second quarter of 2022, which we refer to as "Core"
July 18, 2023	EX-99.2	SYNCHRONY FINANCIAL Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Six Months Ended Jun 30, 2023 Mar 31, 2023 Dec 31, 2022 Sep 30, 2022 Jun 30, 2022 2Q'23 vs. 2Q'22 Jun 30, 2023 Jun 30, 2022 YTD'23 vs. YTD'22 EARNINGS Net interest income $ 4,120 $ 4,051 $ 4,106 $ 3,928 $ 3,802 $ 318 8.4 % $ 8,171 $ 7,591 $ 580 7.6 % Retailer share arrangements (8
July 18, 2023	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 18, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
July 18, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended June 30, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan receiva
July 18, 2023	EX-99.3	2Q'23 FINANCIAL RESULTS July 18, 2023 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No represe a2q23earningspresentatio 2Q'23 FINANCIAL RESULTS July 18, 2023 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and fi
July 18, 2023	EX-99.1	2.1% Return on Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) July 18, 2023 SECOND QUARTER 2023 RESULTS AND KEY METRICS 2.1% Return on Assets 12.3% CET1 Ratio $399M Capital Returned CEO COMMENTARY “Synchrony continues to demonstrate strong growth and financial performance as consumer behavior reverts to pre-pandemic norms - and as our products and value propositions resonate strongly across o
June 12, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended May 31, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan receivab
June 12, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 12, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 12, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File N
May 23, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 18, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL ( UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 18, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File Nu
May 15, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended April 30, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan receiv
May 15, 2023	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 15, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File Nu
April 25, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 25, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 25, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
April 25, 2023	EX-99.1	Synchrony Announces Approval of an Incremental $1.0 Billion Share Repurchase Program and Plans to Increase Quarterly Common Stock Dividend by 9% to $0.25 Per Share Exhibit 99.1 NEWS RELEASE Synchrony Announces Approval of an Incremental $1.0 Billion Share Repurchase Program and Plans to Increase Quarterly Common Stock Dividend by 9% to $0.25 Per Share STAMFORD, Conn. – April 25, 2023 – Synchrony Financial (NYSE: SYF) announced that its Board of Directors has approved an incremental share repurchase program of up to $1.0 billion, commencing this quarter throu
April 20, 2023	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
April 20, 2023	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
April 20, 2023	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL
April 19, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 19, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 19, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
April 19, 2023	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain information on our loan receivables that have been adjusted to exclude amounts related to portfolio sales in the second quarter of 2022, which we refer to as "Core"
April 19, 2023	EX-99.2	SYNCHRONY FINANCIAL Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Mar 31, 2023 Dec 31, 2022 Sep 30, 2022 June 30, 2022 Mar 31, 2022 1Q'23 vs. 1Q'22 EARNINGS Net interest income $ 4,051 $ 4,106 $ 3,928 $ 3,802 $ 3,789 $ 262 6.9 % Retailer share arrangements (917) (1,043) (1,057) (1,127) (1,104) 187 (16.9) % Provision for credit losses 1,290 1,201
April 19, 2023	EX-99.1	2.3% Return on Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) April 19, 2023 FIRST QUARTER 2023 RESULTS AND KEY METRICS 2.3% Return on Assets 12.5% CET1 Ratio $500M Capital Returned CEO COMMENTARY “Once again, the power of Synchrony’s differentiated business model, matched with the continued strength of the customers we serve, delivered strong, consistent growth across our diversified set of
April 19, 2023	EX-99.3	1Q'23 FINANCIAL RESULTS April 19, 2023 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No repres a1q23earningspresentatio 1Q'23 FINANCIAL RESULTS April 19, 2023 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and f
April 19, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended March 31, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan receiv
April 19, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 19, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 19, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
April 4, 2023	DEFA14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 DEFA14A 1 d449242ddefa14a.htm DEFA14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as
April 4, 2023	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the app Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defi
March 15, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 15, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 15, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission File
March 15, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended February 28, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan rec
February 27, 2023	EX-99.1	1 Investor Presentation February 2023 Exhibit 99.1 2 Disclaimers Cautionary Statement Regarding Forward-Looking Statements This presentation contains certain forward-looking statements as defined in Section 27A of the Securities Act of 1933, as amend synchrony-2023xinvestorx 1 Investor Presentation February 2023 Exhibit 99.1 2 Disclaimers Cautionary Statement Regarding Forward-Looking Statements This presentation contains certain forward-looking statements as defined in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which are subject to the “safe harbor” created by tho
February 27, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 27, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 27, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
February 14, 2023	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 14, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
February 14, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended January 31, 2023. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan rece
February 13, 2023	SC 13G/A	SYF / Synchrony Financial / Capital World Investors - SEC SCHEDULE 13G Passive Investment SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3 )* Synchrony Financial (Name of Issuer) Common Stock (Title of Class of Securities) 87165B103 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to
February 9, 2023	EX-31.A	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as amended Exhibit 31(a) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian D.
February 9, 2023	10-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FIN
February 9, 2023	EX-4.17	Description of Registrant's Securities Exhibit 4.17 DESCRIPTION OF REGISTRANT’S SECURITIES As of the date of the Annual Report on Form 10-K of which this Exhibit is a part, Synchrony Financial, a Delaware corporation, had two classes of securities registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended: Common Stock, par value $0.001 per share (the “common stock”) and depositary shares, each representing a
February 9, 2023	EX-21.1	Subsidiaries of the Registrant Exhibit 21.1 List of Subsidiaries Name of Subsidiary Jurisdiction of Organization CareCredit LLC California Loop Commerce, Inc. Delaware Pets Best Insurance Services, LLC Idaho 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 Delawa
February 9, 2023	SC 13G/A	SYF / Synchrony Financial / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment SC 13G/A 1 tv01998-synchronyfinancial.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 8)* Name of issuer: Synchrony Financial Title of Class of Securities: Common Stock CUSIP Number: 87165B103 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to desig
February 9, 2023	EX-31.B	Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as amended Exhibit 31(b) Certification Pursuant to Rules 13a-14(a) or 15d-14(a) Under the Securities Exchange Act of 1934, as Amended I, Brian J.
February 2, 2023	EX-4.1	Indenture, dated as of February 2, 2023, between Synchrony Financial and The Bank of New York Mellon, as Trustee (incorporated by reference to Exhibit 4.1 of Form 8-K filed by Synchrony Financial on February 2, 2023) EX-4.1 Exhibit 4.1 SYNCHRONY FINANCIAL AND THE BANK OF NEW YORK MELLON, as Trustee INDENTURE Dated as of February 2, 2023 Subordinated Debt Securities CROSS-REFERENCE TABLE Reconciliation and tie showing the location in the Indenture dated as of February 2, 2023 of the provisions inserted pursuant to Sections 310 to 318(a), inclusive, of the Trust Indenture Act of 1939, as amended. This reconcilia
February 2, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 2, 2023 (January 30, 2023) Date of Report (Date of earliest event reported UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 2, 2023 (January 30, 2023) Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporati
February 2, 2023	EX-1.1	Underwriting Agreement, dated January 30, 2023, among Synchrony Financial and J.P. Morgan Securities LLC, BofA Securities, Inc., Citigroup Global Markets Inc. and Wells Fargo Securities, LLC, as representatives of the several underwriters listed on Schedule I thereto. EX-1.1 2 d638255dex11.htm EX-1.1 Exhibit 1.1 SYNCHRONY FINANCIAL $750,000,000 7.250% SUBORDINATED NOTES DUE 2033 UNDERWRITING AGREEMENT January 30, 2023 January 30, 2023 J.P. Morgan Securities LLC BofA Securities, Inc. Citigroup Global Markets Inc. Wells Fargo Securities, LLC c/o J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 c/o BofA Securities, Inc. One Bryant Park New Yo
February 2, 2023	EX-4.2	First Supplemental Indenture, dated as of February 2, 2023, between Synchrony Financial and The Bank of New York Mellon, as Trustee (incorporated by reference to Exhibit 4.2 of Form 8-K filed by Synchrony Financial on February 2, 2023) EX-4.2 Exhibit 4.2 SYNCHRONY FINANCIAL AND THE BANK OF NEW YORK MELLON, as Trustee FIRST SUPPLEMENTAL INDENTURE Dated as of February 2, 2023 to the INDENTURE Dated as of February 2, 2023 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.01. Relation to Base Indenture 1 Section 1.02. Definition of Terms 1 ARTICLE II GENERAL TERMS AND CONDITIONS OF THE NOTES Section 2.01. Designation and Princi
February 1, 2023	424B5	$750,000,000 7.250% Subordinated Notes due 2033 424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-266264 PROSPECTUS SUPPLEMENT TO THE PROSPECTUS DATED JULY 21, 2022 $750,000,000 7.250% Subordinated Notes due 2033 We are offering $750,000,000 aggregate principal amount of 7.250% Subordinated Notes due 2033 (the “notes”). Interest on the notes will be payable semi-annually in arrears on February 2 and August 2 of each
February 1, 2023	EX-FILING FEES	Calculation of Filing Fee Tables (Form Type) SYNCHRONY FINANCIAL (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Pr EX-FILING FEES 2 d443317dexfilingfees.htm EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables 424(b)(5) (Form Type) SYNCHRONY FINANCIAL (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price
January 30, 2023	FWP	$750,000,000 7.250% Subordinated Notes due 2033 (the “Notes”) (the “Offering”) Pricing Term Sheet Issuer Free Writing Prospectus Dated January 30, 2023 Filed Pursuant to Rule 433 Registration Statement No.
January 30, 2023	424B5	SUBJECT TO COMPLETION, DATED JANUARY 30, 2023 Table of Contents The information in this preliminary prospectus supplement is not complete and may be changed.
January 23, 2023	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 23, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
January 23, 2023	EX-99.2	SYNCHRONY FINANCIAL Exhibit 99.2 SYNCHRONY FINANCIAL FINANCIAL SUMMARY (unaudited, in millions, except per share statistics) Quarter Ended Twelve Months Ended Dec 31, 2022 Sep 30, 2022 June 30, 2022 Mar 31, 2022 Dec 31, 2021 4Q'22 vs. 4Q'21 Dec 31, 2022 Dec 31, 2021 YTD'22 vs. YTD'21 EARNINGS Net interest income $ 4,106 $ 3,928 $ 3,802 $ 3,789 $ 3,830 $ 276 7.2 % $ 15,625 $ 14,239 $ 1,386 9.7 % Retailer share arrange
January 23, 2023	EX-99.4	Explanation of Non-GAAP Measures Exhibit 99.4 Explanation of Non-GAAP Measures The information provided in this Form 8-K and exhibits includes measures which are not prepared in accordance with U.S. generally accepted accounting principles ("GAAP"). We present certain information on our loan receivables that have been adjusted to exclude amounts related to portfolio sales in the second quarter of 2022, which we refer to as "Core"
January 23, 2023	EX-99.1	2.2% Return on Exhibit 99.1 For Immediate Release Synchrony Financial (NYSE: SYF) January 23, 2023 FOURTH QUARTER 2022 RESULTS AND KEY METRICS 2.2% Return on Assets 12.8% CET1 Ratio $803M Capital Returned CEO COMMENTARY “Synchrony’s strong fourth quarter performance reflected the strength of our differentiated business model: our diversified portfolio across industries, our scalable technology platform, our deep
January 23, 2023	EX-99.3	4Q'22 FINANCIAL RESULTS January 23, 2023 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No repr 4Q'22 FINANCIAL RESULTS January 23, 2023 Exhibit 99.3 2 Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement inc
January 23, 2023	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended December 31, 2022. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan rec
January 23, 2023	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 23, 2023 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil
December 15, 2022	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen EX-99.1 2 creditstatsfinancialtables.htm EX-99.1 Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended November 30, 2022. The year over year increase in the over-30 day loan del
December 15, 2022	EX-99.1	Synchrony Announces Planned Transition of Board Leadership Exhibit 99.1 Synchrony Announces Planned Transition of Board Leadership STAMFORD, Conn., December 15, 2022 - Synchrony (NYSE: SYF) today announced Margaret Keane, Executive Chair of the Board of Directors of Synchrony has announced her intention to retire effective April 3, 2023. Jeffrey Naylor, who has served on Synchrony's Board since 2014 and has been Synchrony's Lead Independent Director since
December 15, 2022	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 15, 2022 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
December 15, 2022	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 15, 2022 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
November 14, 2022	EX-99.1	SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen Exhibit 99.1 SYNCHRONY FINANCIAL MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED (unaudited, $ in billions) The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended October 31, 2022. The year over year increase in the over-30 day loan delinquencies as a percentage of period-end loan rece
November 14, 2022	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 14, 2022 Date of Report (Date of earliest event reported) SYNCHRONY FINANC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 14, 2022 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fi
October 25, 2022	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 25, 2022 Date of Report (Date of earliest event reported) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 001-36560 51-0483352 (State or other jurisdiction of incorporation) (Commission Fil

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