同步金融Synchrony Financial（SYF）2025财年10-K年度报告「NYSE」（英文版）（197页）.pdf

1、UNITED STATESSECURITIES AND EXCHANGE COMMISSIONWashington,D.C.20549FORM 10-K(Mark One)ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December 31,2025 ORTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 193

2、4For the transition period from to 001-36560(Commission File Number)SYNCHRONY FINANCIAL(Exact name of registrant as specified in its charter)Delaware 51-0483352(State or Other Jurisdiction ofIncorporation or Organization)(I.R.S.EmployerIdentification No.)777 Long Ridge Road Stamford,Connecticut06902

3、(Address of principal executive offices)(Zip Code)(Registrants telephone number,including area code)(203)585-2400Securities Registered Pursuant to Section 12(b)of the Act:Title of each classTrading Symbol(s)Name of each exchange on which registeredCommon stock,par value$0.001 per shareSYFNew York St

4、ock ExchangeDepositary Shares Each Representing a 1/40th Interest in a Shareof 5.625%Fixed Rate Non-Cumulative Perpetual Preferred Stock,Series ASYFPrANew York Stock ExchangeDepositary Shares Each Representing a 1/40th Interest in a Shareof 8.250%Fixed Rate Reset Non-Cumulative Perpetual PreferredSt

5、ock,Series BSYFPrBNew York Stock ExchangeSecurities Registered Pursuant to Section 12(g)of the Act:Title of classNone Indicate by check mark if the registrant is a well-known seasoned issuer,as defined in Rule 405 of the Securities Act.Yes No Indicate by check mark if the registrant is not required

6、to file reports pursuant to Section 13 or Section 15(d)of the Act.Yes No Indicate by check mark whether the registrant(1)has filed all reports required to be filed by Section 13 or 15(d)of the Securities Exchange Act of 1934 duringthe preceding 12 months(or for such shorter period that the registran