Synchrony Financial

The Company returned $1.2 billion in capital to shareholders, including $1.1 billion of share repurchases and $110 million of common stock dividends.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

As of September 30, 2026, the Company had a total remaining repurchase authorization of approximately $4.6 billion.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Highlights Credit 30+ days past due $mm, % of period-end loan receivables 90+ days past due $mm, % of period-end loan receivables Net charge-offs $mm, annualized as % of average loan receivables, including held for sale Allowance for credit losses2 $mm, % of period-end loan receivables Credit trends1 9 3Q'25 CET1% 14.3% Net earnings +3.3% Share repurchases (3.8)% Common and preferred dividends (0.5)% Risk-weighted asset changes (0.4)% Other activity, net 0.0% 3Q'26 CET1% 12.9% Funding, capital and liquidity Funding and liquidity ($bn) Common Equity Tier 1 (CET1) ratio2 (1) Amounts at September 30, 2026 are preliminary and therefore subject to change.

SEC original ↗Synchrony Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2026

Conflicting figures recorded for this item — see “Conflicting figures” below.

(11) Excludes uncommitted credit facilities and available borrowing capacity related to unencumbered assets.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

We also offer our Payment Security program, which is a debt cancellation product.

SEC original ↗Synchrony Financial — 10-Q Quarterly report10-QJul 23, 2026

In June 2026, we issued depositary shares representing $500 million of 7.250% fixed rate reset non-cumulative perpetual preferred stock, Series C, with dividends payable quarterly beginning in August 2026.

SEC original ↗Synchrony Financial — 10-Q Quarterly report10-QJul 23, 2026

Established partnership with OpenAI, combining strategic agentic commerce collaboration with enterprise AI access.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Joined the Personal Agent Protocol ( Poppy ) initiative led by Sierra and Meta as a design partner, reflecting our commitment to helping define the open standards that will underpin the future of agentic commerce.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Diversified Value purchase volume increased 13%, primarily reflecting the impact of partner expansion and the impact of higher gas prices.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Forward-looking statements may be identified by words such as expects, intends, anticipates, plans, believes, seeks, targets, outlook, estimates, will, should, may, aim, focus, goal, confident, trajectory, priorities, designed, consider, opportunity or words of similar meaning, but these words are not the exclusive means of identifying forward-looking statements.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Forward-looking statements may be identified by words such as "expects," "intends," "anticipates," "plans," "believes," "seeks," "targets," "outlook," "estimates," "will," "should," "may," aim, focus, goal, confident, trajectory, "priorities," "designed," "consider," opportunity or words of similar meaning, but these words are not the exclusive means of identifying forward-looking statements.

SEC original ↗Synchrony Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2026

Factors that could cause actual results to differ materially include global political, economic, business, competitive, market, regulatory and other factors and risks, such as the impact of macroeconomic and geopolitical conditions, including factors impacting consumer confidence and economic growth in the United States, such as inflation, interest rates, tariffs (including retaliatory tariffs), energy prices, global conflicts and an economic downturn or recession, and whether industry trends we have identified develop as anticipated the impact of changes made or influenced by the U.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Factors that could cause actual results to differ materially include global political, economic, business, competitive, market, regulatory and other factors and risks, such as: the impact of macroeconomic and geopolitical conditions, including factors impacting consumer confidence and economic growth in the United States, such as inflation, interest rates, tariffs (including retaliatory tariffs), energy prices, global conflicts and an economic downturn or recession, and whether industry trends we have identified develop as anticipated; the impact of changes made or influenced by the U.

SEC original ↗Synchrony Financial — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2026

Forward-looking statements are based on management's current expectations and assumptions, and are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

You should not consider any list of such factors to be an exhaustive statement of all the risks, uncertainties, or potentially inaccurate assumptions that could cause our current expectations or beliefs to change.

SEC original ↗Synchrony Financial — Earnings release (8-K exhibit)EX-99Oct 20, 2026

Legal Proceedings 63 Item 1A.

SEC original ↗Synchrony Financial — 10-Q Quarterly report10-QJul 23, 2026

Forward-looking statements are based on management s current expectations and assumptions, and are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict.

SEC original ↗Synchrony Financial — 10-Q Quarterly report10-QJul 23, 2026