State Street reports 5.1% stake in Synchrony (19,080,903 sh)

State Street Corporation filed a passive Schedule 13G reporting beneficial ownership of 19,080,903 shares (5.1%) of Synchrony Financial common stock as of 09/30/2025.

Accepted by SEC EDGAR 11/10/2025 - 08:56 AM EST Learn about SEC filing dates

Rhea-AI Filing Summary

State Street Corporation filed a passive Schedule 13G reporting beneficial ownership of 19,080,903 shares (5.1%) of Synchrony Financial common stock as of 09/30/2025.

The filing lists shared voting power over 4,078,872 shares and shared dispositive power over 19,080,903 shares, with zero sole voting or dispositive power. The reporting person is classified as HC (parent holding company), with multiple investment adviser affiliates named. The certification states the securities were acquired and are held in the ordinary course and not for the purpose of changing or influencing control.

Insights

Equity ownership & disclosure analyst

Routine passive 13G disclosing a 5.1% SYF stake by State Street.

This is a Schedule 13G, indicating a passive beneficial ownership position. State Street reports 5.1% of Synchrony Financial, equal to 19,080,903 shares as of 09/30/2025. The structure shows asset-management affiliates as holders on behalf of clients.

Control rights appear limited: sole voting and dispositive powers are 0, while shared voting is 4,078,872 and shared dispositive is 19,080,903, consistent with custodial/advisory roles. The certification explicitly notes ordinary-course holding with no control intent.

Investor impact is typically administrative; actual trading depends on client flows and portfolio management choices disclosed elsewhere.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What stake in SYF did State Street disclose on Schedule 13G?

State Street reported beneficial ownership of 19,080,903 Synchrony Financial shares, representing 5.1% of the class as of 09/30/2025.

Is State Street’s filing passive or active for SYF?

It is a passive Schedule 13G, with a certification that holdings are in the ordinary course and not for changing or influencing control.

What voting and dispositive powers were reported for the SYF shares?

State Street reported shared voting power over 4,078,872 shares and shared dispositive power over 19,080,903 shares; sole powers were 0.

What is the event date for State Street’s SYF ownership report?

The date of the reportable event is 09/30/2025.

How is State Street classified in this ownership report?

The reporting person is classified as HC (parent holding company), with multiple investment adviser affiliates listed.

Which State Street affiliates were identified in relation to the SYF shares?

Affiliates include SSGA Funds Management, Inc. and various State Street Global Advisors entities across the U.S., Europe, Asia, Australia, Singapore, Japan, and Saudi Arabia.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

SYNCHRONY FINANCIAL

(Name of Issuer)

COMMON STOCK

(Title of Class of Securities)

87165B103

(CUSIP Number)

09/30/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 87165B103

1

Names of Reporting Persons

STATE STREET CORPORATION

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

MASSACHUSETTS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 4,078,872.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 19,080,903.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

19,080,903.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

5.1 %

12

Type of Reporting Person (See Instructions)

HC

SCHEDULE 13G

Item 1.
(a)	Name of issuer: SYNCHRONY FINANCIAL
(b)	Address of issuer's principal executive offices: 777 LONG RIDGE ROAD , STAMFORD, CONNECTICUT, 06902, UNITED STATES
Item 2.
(a)	Name of person filing: STATE STREET CORPORATION;
(b)	Address or principal business office or, if none, residence: ONE CONGRESS STREET, SUITE 1, BOSTON MA 02114, UNITED STATES
(c)	Citizenship: MA
(d)	Title of class of securities: COMMON STOCK
(e)	CUSIP No.: 87165B103
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 19080903.00
(b)	Percent of class: 5.1 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 4,078,872
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 19,080,903
Item 5.	Ownership of 5 Percent or Less of a Class.
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. NOT APPLICABLE
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	If a parent holding company has filed this schedule, pursuant to Rule 13d-1(b)(ii)(G), so indicate under Item 3(g) and attach an exhibit stating the identity and the Item 3 classification of the relevant subsidiary. If a parent holding company has filed this schedule pursuant to Rule 13d-1(c) or Rule 13d-1(d), attach an exhibit stating the identification of the relevant subsidiary. SSGA FUNDS MANAGEMENT, INC. (IA);STATE STREET GLOBAL ADVISORS (JAPAN) CO., LTD. (IA);STATE STREET GLOBAL ADVISORS ASIA LIMITED (IA);STATE STREET GLOBAL ADVISORS EUROPE LIMITED (IA);STATE STREET GLOBAL ADVISORS LIMITED (IA);STATE STREET GLOBAL ADVISORS SINGAPORE LIMITED (IA);STATE STREET GLOBAL ADVISORS TRUST COMPANY (IA);STATE STREET GLOBAL ADVISORS, AUSTRALIA, LIMITED (IA);STATE STREET GLOBAL ADVISORS, LTD. (IA);STATE STREET SAUDI ARABIA FINANCIAL SOLUTIONS COMPANY (IA);
Item 8.	Identification and Classification of Members of the Group.
	If a group has filed this schedule pursuant to §240.13d-1(b)(1)(ii)(K), so indicate under Item 3(k) and attach an exhibit stating the identity and Item 3 classification of each member of the group. If a group has filed this schedule pursuant to §240.13d-1(c) or §240.13d-1(d), attach an exhibit stating the identity of each member of the group. NOT APPLICABLE
Item 9.	Notice of Dissolution of Group.
	Notice of dissolution of a group may be furnished as an exhibit stating the date of the dissolution and that all further filings with respect to transactions in the security reported on will be filed, if required, by members of the group, in their individual capacity. See Item 5. NOT APPLICABLE

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

STATE STREET CORPORATION

Signature:	ELIZABETH SCHAEFER
Name/Title:	SENIOR VICE PRESIDENT, CHIEF ACCOUNTING OFFICER
Date:	11/07/2025