Item 2.02 Results of Operations and Financial Condition.

On January 23, 2023, Synchrony Financial (the "Company") issued a press release setting forth the Company's fourth quarter 2022 earnings. A copy of the Company's press release is being furnished as Exhibit 99.1 and hereby incorporated by reference. The information furnished pursuant to this Item 2.02, including Exhibits, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act") or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

The following exhibits are being furnished as part of this report:



Number                Description

99.1                  Press release, dated January 23, 2023, issued by Synchrony Financial
99.2                  Financial Data Supplement of the Company for the quarter ended December
                      31, 2022
99.3                  Financial Results Presentation of the Company for the quarter ended
                      December 31, 2022
99.4                  Explanation of Non-GAAP Measures
104                   The cover page from this Current Report on Form 8-K, formatted in Inline
                      XBRL

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