Synchrony Financial (NYSE: SYF) releases Q4 2025 earnings materials

Rhea-AI Filing Summary

Synchrony Financial filed a current report to share that it has released its earnings information for the fourth quarter of 2025. The company issued a press release on January 27, 2026 detailing its results, and also prepared a financial data supplement, an investor presentation, and an explanation of non-GAAP measures for the quarter ended December 31, 2025. These materials are furnished as exhibits to the report rather than filed, which limits how they are treated under securities laws.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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 27, 2026

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,			Connecticut						06902
(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 class			Trading Symbol(s)			Name of each exchange on which registered
Common stock, par value $0.001 per share			SYF			New 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 A			SYFPrA			New 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 B			SYFPrB			New 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 January 27, 2026, Synchrony Financial (the “Company”) issued a press release setting forth the Company’s fourth 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 January 27, 2026, issued by Synchrony Financial
99.2						Financial Data Supplement of the Company for the quarter ended December 31, 2025
99.3						Financial Results Presentation of the Company for the quarter ended December 31, 2025
99.4						Explanation of Non-GAAP Measures
104						The 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: January 27, 2026

By:

/s/ Jonathan Mothner

Name:

Jonathan Mothner

Title:

Executive Vice President, Chief Risk and Legal Officer

FAQ

What did Synchrony Financial (SYF) disclose in this 8-K?

Synchrony Financial disclosed that it issued a press release announcing its fourth quarter 2025 earnings, with related materials furnished as exhibits.

Which period do the disclosed Synchrony Financial (SYF) results cover?

The earnings materials relate to Synchrony Financial’s results for the quarter ended December 31, 2025.

What exhibits did Synchrony Financial (SYF) include with this earnings 8-K?

The company furnished a press release, a Financial Data Supplement, a Financial Results Presentation, and an Explanation of Non-GAAP Measures.

Are Synchrony Financial’s earnings exhibits considered filed with the SEC?

No. The earnings information in Item 2.02 and the related exhibits are expressly stated as furnished, not filed, and are not subject to Section 18 liabilities.

Which SEC item does Synchrony Financial (SYF) use to present its Q4 2025 results?

The company uses Item 2.02 – Results of Operations and Financial Condition to present its fourth quarter 2025 earnings information.

Who signed the Synchrony Financial (SYF) 8-K for the Q4 2025 earnings release?

The report was signed on behalf of Synchrony Financial by Jonathan Mothner, Executive Vice President, Chief Risk and Legal Officer.