---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-328719"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-07-31T20:32:02+00:00"
generated_at: "2026-07-31T20:33:07.130028+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Synchrony Financial issues $1.1B in senior notes: $600M 5.45% due 2030, $500M 6.276% due 2037

## Summary
- Total $1.1B offering: $600M 5.45% Fixed-to-Floating Rate Senior Notes due 2030 and $500M 6.276% Fixed-to-Floating Rate Senior Notes due 2037.
- Underwriters include J.P. Morgan, TD Securities, and Wells Fargo as representatives.
- Notes are senior unsecured, issued under indenture with Bank of New York Mellon as trustee.
- Offering made under existing shelf registration statement (S-3) filed with the SEC.

## SEC filing metadata
- accession: 0001193125-26-328719
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-07-31T20:32:02+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000119312526328719/0001193125-26-328719-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000119312526328719/d112401d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-328719
- JSON: https://secwatch.observer/filing/0001193125-26-328719.json
- Plain text: https://secwatch.observer/filing/0001193125-26-328719.txt

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