---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-071785"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-02-25T23:59:59+00:00"
generated_at: "2026-05-16T00:18:41.320926+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Synchrony Financial issues $750M of 4.947% Fixed-to-Floating Senior Notes due 2032

## Summary
- $750 million aggregate principal amount of 4.947% Fixed-to-Floating Rate Senior Notes due 2032.
- Notes convert to floating rate after the fixed-rate period; final maturity 2032.
- Underwriters: BofA Securities, J.P. Morgan Securities, Mizuho Securities USA.
- Offering conducted under existing shelf registration; closing expected February 25, 2026.

## SEC filing metadata
- accession: 0001193125-26-071785
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-02-25T23:59:59+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/1601712/000119312526071785/0001193125-26-071785-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000119312526071785/d107776d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-071785
- JSON: https://secwatch.observer/filing/0001193125-26-071785.json
- Plain text: https://secwatch.observer/filing/0001193125-26-071785.txt

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