Page 1

( Mark One ) U UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K Act . ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from 001-36560 ( Commission File Number ) Delaware ( State or Other Jurisdiction of Incorporation or Organization ) SYNCHRONY FINANCIAL ( Exact name of registrant as specified in its charter ) 777 Long Ridge Road Stamford , Connecticut ( Address of principal executive offices ) synchrony Title of each class Common stock , par value $ 0.001 per share Depositary Shares Each Representing a 1 / 40th Interest in a Share of 5.625 % Fixed Rate Non Cumulative Perpetual Preferred Stock , Series A to 06902 ( Zip Code ) ( Registrant's telephone number , including area code ) ( 203 ) 585-2400 Securities Registered Pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) SYF SYFPRA 51-0483352 ( I.R.S. Employer Identification No. ) Name of each exchange on which registered New York Stock Exchange New York Stock Exchange Securities Registered Pursuant to Section 12 ( g ) of the Act : Title of class None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Yes > No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No 区