UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For 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 o ...

2 4Q'22 Business Highlights Financial Results • Retailer share arrangements decreased (18)% – Decrease driven by the impact of portfolios sold during 2Q'22 and higher net charge-offs, partially offset by higher net interest income 4Q'22 Highlights Accounts Disclaimers This presentation contains certain forward-looking statements as defined in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which are subject to the "safe harbor" creat ...

Synchrony Financial (NYSE:SYF) Q4 2022 Earnings Conference Call January 23, 2023 8:00 AM ET Kathryn Miller - SVP, IR Brian Doubles - President & CEO Brian Wenzel - EVP & CFO Operator Kathryn Miller During the call, we will refer to non-GAAP financial measures in discussing the company's performance. You can find a reconciliation of these measures to GAAP financial measures in our materials for today's call. I will now turn the call over to Brian Doubles. and a return on tangible common equity of 28.5%. This ...

Synchrony Financial (NYSE:SYF) Q3 2022 Earnings Conference Call October 25, 2022 8:00 AM ET Company Participants Kathryn Miller - SVP, IR Brian Doubles - President, CEO & Director Brian Wenzel - EVP & CFO Conference Call Participants Ryan Nash - Goldman Sachs Group Moshe Orenbuch - Crédit Suisse Mihir Bhatia - Bank of America Merrill Lynch Sanjay Sakhrani - KBW Kevin Barker - Piper Sandler & Co. Betsy Graseck - Morgan Stanley Richard Shane - JPMorgan Chase & Co. John Hecht - Jefferies Operator Welcome to th ...

Synchrony Financial (NYSE:SYF) Q2 2022 Results Conference Call July 18, 2022 8:00 AM ET Company Participants Kathryn Miller - Senior Vice President, Investor Relations Brian Doubles - President and Chief Executive Officer Brian Wenzel - Executive Vice President and Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Moshe Orenbuch - Credit Suisse Betsy Graseck - Morgan Stanley John Pancari - Evercore ISI Sanjay Sakhrani - KBW Mihir Bhatia - Bank of America Brian Foran - Autonomous ...

Synchrony Financial (NYSE:SYF) Q1 2022 Earnings Conference Call April 18, 2022 8:00 AM ET Company Participants Kathryn Miller - SVP, IR Brian Doubles - President, CEO Brian Wenzel - EVP, CFO Conference Call Participants Moshe Orenbuch - Credit Suisse Ryan Nash - Goldman Sachs Betsy Graseck - Morgan Stanley Sanjay Sakhrani - KBW John Hecht – Jefferies Don Fandetti - Wells Fargo Mihir Bhatia - Bank of America Rich Shane - JPMorgan Kevin Barker - Piper Sandler Arren Cyganovich - Citi Brian Foran - Autonomous R ...

,| synchrony 1Q'22 FINANCIAL RESULTS April 18, 2022 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchr ...

Synchrony Financial (NYSE:SYF) Q4 2021 Earnings Conference Call January 28, 2022 8:00 AM ET Company Participants Kathryn Miller – Senior Vice President, Director of Investor Relations Brian Doubles – President and Chief Executive Officer Brian Wenzel – Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani – KBW Moshe Orenbuch – Credit Suisse Ryan Nash – Goldman Sachs Arren Cyganovich – Citi Betsy Graseck – Morgan Stanley Don Fandetti – Wells Fargo Kevin Barker – P ...

4Q'21 FINANCIAL RESULTS January 28th, 2021 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchronyfinanc ...

3Q'21 FINANCIAL RESULTS October 19, 2021 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchronyfinancia ...