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Synchrony Financial

For the period ended Sep 30, 2025. Filed Oct 22, 2025.

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About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Oct 22, 2025

SYF$73.74-0.4%Stored close · as of Nov 6, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Index to Condensed Consolidated Financial Statements

Page
CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
Condensed Consolidated Statements of Earnings37
Condensed Consolidated Statements of Comprehensive Income38
Condensed Consolidated Statements of Financial Position39
Condensed Consolidated Statements of Changes in Equity40
Condensed Consolidated Statements of Cash Flows42
NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
Note 1. Business Description43
Note 2. Basis of Presentation and Summary Significant Accounting Policies43
Note 3. Acquisitions and Dispositions46
Note 4. Debt Securities47
Note 5. Loan Receivables and Allowance for Credit Losses48
Note 6. Variable Interest Entities54
Note 7. Intangible Assets56
Note 8. Deposits56
Note 9. Borrowings58
Note 10. Fair Value Measurements60
Note 11. Regulatory and Capital Adequacy62
Note 12. Earnings Per Share64
Note 13. Income Taxes64
Note 14. Segment Reporting64
Note 15. Legal Proceedings and Regulatory Matters66
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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.