Original filing text · Part II

Item 1A — Risk Factors

Synchrony Financial · 10-Q · Q2 FY2026 · Period ended Jun 30, 2026

This is the extracted source text from the SEC filing. Formatting may differ from the original document.

There have been no material changes to the risk factors included in our 2025 Form 10-K under the heading “Risk Factors Relating to Our Business” and “Risk Factors Relating to Regulation”.