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[8-K] Synchrony Financial Reports Material Event

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Synchrony Financial furnished monthly credit performance data via Exhibit 99.1, providing charge-off and delinquency statistics as of and for each of the thirteen months ended September 30, 2025. The company plans to continue furnishing these statistics monthly, with the final month of each calendar quarter furnished at the same time as its quarterly results.

The information was furnished under Item 7.01 and is not deemed “filed” for purposes of Section 18 of the Exchange Act, nor incorporated by reference unless specifically stated.

Synchrony Financial ha fornito dati mensili sull'andamento del credito tramite l'Allegato 99.1, fornendo statistiche su charge-off e ritardi nei pagamenti al 30 settembre 2025 e per ognuno dei tredici mesi terminanti in tale data. L'azienda intende continuare a fornire queste statistiche mensili, con l'ultimo mese di ciascun trimestre solare fornito nello stesso momento dei propri risultati trimestrali.

Le informazioni sono state fornite ai sensi della voce Item 7.01 e non si ritiene filed ai fini della Sezione 18 della Securities Exchange Act, né incorporate per riferimento a meno che non sia espressamente indicato.

Synchrony Financial proporcionó datos mensuales de desempeño crediticio mediante el Exhibit 99.1, proporcionando estadísticas de pérdidas por incobrables y morosidad al 30 de septiembre de 2025 y para cada uno de los trece meses terminados en esa fecha. La compañía planea continuar proporcionando estas estadísticas mensuales, con el último mes de cada trimestre calendario proporcionado al mismo tiempo que sus resultados trimestrales.

La información se proporcionó conforme al Articulo 7.01 y no se considera “presentada” a efectos de la Sección 18 de la Ley de Intercambio de Valores, ni incorporada por referencia a menos que se indique expresamente.

Synchrony Financial은 Exhibit 99.1을 통해 매월 신용 성과 데이터를 제공했으며, 2025년 9월 30일 기준 및 그 달의 13개월 동안의 대손실 및 연체 통계를 제공합니다. 회사는 매월 이러한 통계를 계속 제공할 계획이며, 각 달의 마지막 달은 분기 실적과 동일한 시점에 제공됩니다.

정보는 Item 7.01에 따라 제공되었으며, Exchange Act의 섹션 18에 따라 이를 ‘파일로 간주’하지 않으며, 특별히 명시되지 않는 한 참조에 의해 통합되지 않습니다.

Synchrony Financial a fourni des données mensuelles de performance du crédit via l'annexe 99.1, fournissant des statistiques sur les pertes sur créances et les retards de paiement au 30 septembre 2025 et pour chacun des treize mois se terminant à cette date. L'entreprise prévoit de continuer à fournir ces statistiques mensuellement, le dernier mois de chaque trimestre civil étant fourni en même temps que ses résultats trimestriels.

L'information a été fournie en vertu de l'Item 7.01 et n'est pas considérée comme « déposée » aux fins de la Section 18 du Securities Exchange Act, ni incorporée par référence à moins d'indication expresse.

Synchrony Financial hat monatliche Kreditleistungsdaten über Exhibit 99.1 vorgelegt und Ausfall- bzw. Delinquenzstatistiken zum 30. September 2025 sowie für jeden der dreizehn Monate bis zu diesem Datum bereitgestellt. Das Unternehmen beabsichtigt, diese Statistiken weiterhin monatlich bereitzustellen, wobei der letzte Monat jedes Kalendervierteljahres gleichzeitig mit den Quartalsergebnissen vorgelegt wird.

Die Informationen wurden gemäß Item 7.01 bereitgestellt und gelten weder als „eingereicht“ im Sinne von Section 18 des Exchange Act noch durch Bezugnahme integriert, es sei denn, es wird ausdrücklich angegeben.

قدمت شركة Synchrony Financial بيانات الأداء الائتماني الشهرية عبر المعرض 99.1، مقدمة إحصاءات الخسائر الناتجة عن الإطفاء والتأخر في السداد حتى 30 سبتمبر 2025 ولكل من الأشهر الثلاثة عشر المنتهية عند ذلك التاريخ. تخطط الشركة لاستمرار توفير هذه الإحصاءات شهرياً، مع أن الشهر الأخير من كل ربع سنوي يتم توفيره في الوقت نفسه مع نتائجها الربعية.

تم تقديم المعلومات وفق البند 7.01 ولا تعتبر "مقدمة" لأغراض القسم 18 من قانون تبادل الأوراق المالية، ولا موضوعة بالرجوع ما لم يرد ذكر صريح.

Synchrony Financial 通过 Exhibit 99.1 提供月度信用表现数据,提供截至 2025 年 9 月 30 日及其前后十三个月结束的呆账/逾期统计数据。公司计划继续按月提供这些统计数据,每个日历季度的最后一个月将与其季度业绩同时披露。

该信息是在 Item 7.01 下提供的,并且不被视为根据证券交易法第 18 条的“备案”,也不会在未明确说明的情况下通过引用合并。

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Synchrony Financial ha fornito dati mensili sull'andamento del credito tramite l'Allegato 99.1, fornendo statistiche su charge-off e ritardi nei pagamenti al 30 settembre 2025 e per ognuno dei tredici mesi terminanti in tale data. L'azienda intende continuare a fornire queste statistiche mensili, con l'ultimo mese di ciascun trimestre solare fornito nello stesso momento dei propri risultati trimestrali.

Le informazioni sono state fornite ai sensi della voce Item 7.01 e non si ritiene filed ai fini della Sezione 18 della Securities Exchange Act, né incorporate per riferimento a meno che non sia espressamente indicato.

Synchrony Financial proporcionó datos mensuales de desempeño crediticio mediante el Exhibit 99.1, proporcionando estadísticas de pérdidas por incobrables y morosidad al 30 de septiembre de 2025 y para cada uno de los trece meses terminados en esa fecha. La compañía planea continuar proporcionando estas estadísticas mensuales, con el último mes de cada trimestre calendario proporcionado al mismo tiempo que sus resultados trimestrales.

La información se proporcionó conforme al Articulo 7.01 y no se considera “presentada” a efectos de la Sección 18 de la Ley de Intercambio de Valores, ni incorporada por referencia a menos que se indique expresamente.

Synchrony Financial은 Exhibit 99.1을 통해 매월 신용 성과 데이터를 제공했으며, 2025년 9월 30일 기준 및 그 달의 13개월 동안의 대손실 및 연체 통계를 제공합니다. 회사는 매월 이러한 통계를 계속 제공할 계획이며, 각 달의 마지막 달은 분기 실적과 동일한 시점에 제공됩니다.

정보는 Item 7.01에 따라 제공되었으며, Exchange Act의 섹션 18에 따라 이를 ‘파일로 간주’하지 않으며, 특별히 명시되지 않는 한 참조에 의해 통합되지 않습니다.

Synchrony Financial a fourni des données mensuelles de performance du crédit via l'annexe 99.1, fournissant des statistiques sur les pertes sur créances et les retards de paiement au 30 septembre 2025 et pour chacun des treize mois se terminant à cette date. L'entreprise prévoit de continuer à fournir ces statistiques mensuellement, le dernier mois de chaque trimestre civil étant fourni en même temps que ses résultats trimestriels.

L'information a été fournie en vertu de l'Item 7.01 et n'est pas considérée comme « déposée » aux fins de la Section 18 du Securities Exchange Act, ni incorporée par référence à moins d'indication expresse.

Synchrony Financial hat monatliche Kreditleistungsdaten über Exhibit 99.1 vorgelegt und Ausfall- bzw. Delinquenzstatistiken zum 30. September 2025 sowie für jeden der dreizehn Monate bis zu diesem Datum bereitgestellt. Das Unternehmen beabsichtigt, diese Statistiken weiterhin monatlich bereitzustellen, wobei der letzte Monat jedes Kalendervierteljahres gleichzeitig mit den Quartalsergebnissen vorgelegt wird.

Die Informationen wurden gemäß Item 7.01 bereitgestellt und gelten weder als „eingereicht“ im Sinne von Section 18 des Exchange Act noch durch Bezugnahme integriert, es sei denn, es wird ausdrücklich angegeben.

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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
October 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 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 7.01Regulation FD Disclosure.

The Company hereby furnishes the information in Exhibit 99.1 hereto, Monthly Charge-Off and Delinquency Statistics as of and for each of the thirteen months ended September 30, 2025.
The Company intends to continue to furnish these statistics on a monthly basis, noting that for the last month of each calendar quarter, the statistics will be furnished contemporaneously with the Company’s announcement of its financial results for such quarter.
The information contained in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1, is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly stated by specific reference in such filing.
 
Item 9.01Financial Statements and Exhibits.
(d) Exhibits
The following exhibits are being furnished as part of this report: 

Number  Description
99.1
  
Monthly Charge-off and Delinquency Statistics as of and for each of the thirteen months ended September 30, 2025
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: October 15, 2025
By:
/s/ Jonathan Mothner
Name:
Jonathan Mothner
Title:
Executive Vice President, Chief Risk and Legal Officer


FAQ

What did SYF disclose in this 8-K?

The company furnished Exhibit 99.1 containing monthly charge-off and delinquency statistics for each of the thirteen months ended September 30, 2025.

Will Synchrony Financial (SYF) continue providing these metrics?

Yes. The company intends to furnish these statistics monthly going forward.

When will the month-end data be released during quarter-end months?

For the last month of each calendar quarter, the statistics will be furnished contemporaneously with the company’s quarterly results announcement.

Under which item was the information provided?

Item 7.01.

Is the furnished information considered "filed" under the Exchange Act?

No. It is furnished and not deemed “filed” under Section 18, nor incorporated by reference unless expressly stated.

What period does Exhibit 99.1 cover?

It covers charge-off and delinquency statistics as of and for each of the thirteen months ended September 30, 2025.
Synchrony Financial

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