Synchrony Financial
For the period ended Sep 30, 2025. Filed Oct 22, 2025.
View on SEC.govAbout 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$73.22-0.7%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 6. EXHIBITS
EXHIBIT INDEX
| Exhibit Number | Description |
| 3.1 | Second Amended and Restated Certificate of Incorporation of Synchrony Financial (incorporated by reference to Exhibit 3.1 of Form 8-K filed by Synchrony Financial on June 13, 2024 (No. 001-36560)) |
| 3.2 | Amended and Restated Bylaws of Synchrony Financial (incorporated by reference to Exhibit 3.1 of Form 8-K filed by Synchrony Financial on November 1, 2016 (No. 001-36560)) |
| 4.1 | Fourteenth Supplemental Indenture, dated as of July 29, 2025, between Synchrony Financial and The Bank of New York Mellon, as Trustee (incorporated by reference to Exhibit 4.1 of Form 8-K filed by Synchrony Financial on July 29, 2025 (No. 001-36560)) |
| 4.2 | Form of 5.019% Fixed-to-Floating Rate Senior Notes due 2029 (incorporated by reference to Exhibit 4.1 of Form 8-K filed by Synchrony Financial on July 29, 2025 (No. 001-36560)) |
| 4.3 | Form of 6.000% Fixed-to-Floating Rate Senior Notes due 2036 (incorporated by reference to Exhibit 4.1 of Form 8-K filed by Synchrony Financial on July 29, 2025 (No. 001-36560)) |
| 31(a)* | Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended |
| 31(b)* | Certification Pursuant to Rules 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as Amended |
| 32* | Certification Pursuant to 18 U.S.C. Section 1350 |
| 101.INS | XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document |
| 101.SCH | XBRL Taxonomy Extension Schema Document |
| 101.CAL | XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.DEF | XBRL Taxonomy Extension Definition Linkbase Document |
| 101.LAB | XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | XBRL Taxonomy Extension Presentation Linkbase Document |
| 104 | The cover page from the Company's Quarterly Report on Form 10-Q for the quarter ended September 30, 2025, formatted in Inline XBRL (included as Exhibit 101) |
*Filed electronically herewith.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.