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    Synchrony Financial filed SEC Form 8-K: Results of Operations and Financial Condition, Financial Statements and Exhibits

    4/22/25 6:00:41 AM ET
    $SYF
    Finance: Consumer Services
    Finance
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    syf-20250422
    0001601712false00016017122025-04-222025-04-220001601712us-gaap:CommonStockMember2025-04-222025-04-220001601712us-gaap:SeriesAPreferredStockMember2025-04-222025-04-220001601712us-gaap:SeriesBPreferredStockMember2025-04-222025-04-22

    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 Number)
     (I.R.S. Employer
    Identification No.)

    777 Long Ridge Road 
    Stamford,Connecticut06902
    (Address of principal executive offices) (Zip Code)
    (203) 585-2400
    (Registrant’s telephone number, including area code)
    N/A
    (Former name or former address, if changed since last report)
     
    Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: 
    ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
    ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
    ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
    ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
    Securities Registered Pursuant to Section 12(b) of the Act:



    Title of each classTrading Symbol(s)Name of each exchange on which registered
    Common stock, par value $0.001 per shareSYFNew York Stock Exchange
    Depositary Shares Each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series ASYFPrANew York Stock Exchange
    Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series BSYFPrBNew York Stock Exchange
    Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
    Emerging growth company☐
    If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ¨



    Item 2.02    Results of Operations and Financial Condition.
    On April 22, 2025, Synchrony Financial (the “Company”) issued a press release setting forth the Company’s first quarter 2025 earnings. A copy of the Company’s press release is being furnished as Exhibit 99.1 and hereby incorporated by reference. The information furnished pursuant to this Item 2.02, including Exhibits, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.
     
    Item 9.01    Financial Statements and Exhibits.
    (d) Exhibits
    The following exhibits are being furnished as part of this report:

    Number  Description
    99.1
      
    Press release, dated April 22, 2025, issued by Synchrony Financial
    99.2
    Financial Data Supplement of the Company for the quarter ended March 31, 2025
    99.3
    Financial Results Presentation of the Company for the quarter ended March 31, 2025
    99.4
    Explanation of Non-GAAP Measures
    104The cover page from this Current Report on Form 8-K, formatted in Inline XBRL



    SIGNATURES
    Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

    SYNCHRONY FINANCIAL
    Date: April 22, 2025
    By:
    /s/ Jonathan Mothner
    Name:
    Jonathan Mothner
    Title:
    Executive Vice President, Chief Risk and Legal Officer



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