---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-048508"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-03-06T23:59:59+00:00"
generated_at: "2026-05-25T06:04:01.673467+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Synchrony issues $800M of 5.450% Fixed-to-Floating Senior Notes due 2031

## Summary
- Issued $800M aggregate principal of 5.450% Fixed-to-Floating Rate Senior Notes due 2031.
- Underwriting syndicate led by J.P. Morgan, Morgan Stanley, and RBC Capital Markets.
- Offered under existing shelf registration statement (Form S-3).
- Notes will be governed by a supplemental indenture dated March 6, 2025 with BNY Mellon as trustee.

## SEC filing metadata
- accession: 0001193125-25-048508
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-03-06T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000119312525048508/0001193125-25-048508-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000119312525048508/d917361d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-048508
- JSON: https://secwatch.observer/filing/0001193125-25-048508.json
- Plain text: https://secwatch.observer/filing/0001193125-25-048508.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.