<SEC-DOCUMENT>0001601712-25-000050.txt : 20250210
<SEC-HEADER>0001601712-25-000050.hdr.sgml : 20250210
<ACCEPTANCE-DATETIME>20250210171645
ACCESSION NUMBER:		0001601712-25-000050
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250210
DATE AS OF CHANGE:		20250210

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Juel Carol
		CENTRAL INDEX KEY:			0001868897
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36560
		FILM NUMBER:		25606689

	MAIL ADDRESS:	
		STREET 1:		777 LONG RIDGE ROAD
		STREET 2:		C/O CORPORATE SECRETARY
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06902

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Synchrony Financial
		CENTRAL INDEX KEY:			0001601712
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				510483352
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		777 LONG RIDGE ROAD
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06902-1250
		BUSINESS PHONE:		203 585-6730

	MAIL ADDRESS:	
		STREET 1:		777 LONG RIDGE ROAD
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06902-1250
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>wk-form5_1739225797.xml
<DESCRIPTION>FORM 5
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0508</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2024-12-31</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>1</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

    <issuer>
        <issuerCik>0001601712</issuerCik>
        <issuerName>Synchrony Financial</issuerName>
        <issuerTradingSymbol>SYF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001868897</rptOwnerCik>
            <rptOwnerName>Juel Carol</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>777 LONG RIDGE ROAD</rptOwnerStreet1>
            <rptOwnerStreet2>C/O CORPORATE SECRETARY</rptOwnerStreet2>
            <rptOwnerCity>STAMFORD</rptOwnerCity>
            <rptOwnerState>CT</rptOwnerState>
            <rptOwnerZipCode>06902</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>See remarks</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>0</aff10b5One>

    <nonDerivativeTable></nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Phantom Stock Units</value>
                <footnoteId id="F1"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F2"/>
            </conversionOrExercisePrice>
            <transactionCoding>
                <transactionFormType>3</transactionFormType>
            </transactionCoding>
            <exerciseDate>
                <footnoteId id="F3"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F3"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>23266</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>23266</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Phantom stock units held by the Reporting Person in the Synchrony Financial Restoration Plan, an excess benefit plan pursuant to Rule 16b-3(b)(2) (the &quot;Restoration Plan&quot;), as of June 14, 2021, the date the Reporting Person became a Section 16 Officer.  This transaction is being reported late due to an inadvertent administrative error and not any error of the Reporting Person.</footnote>
        <footnote id="F2">Each phantom stock unit is the economic equivalent of one share of Synchrony Financial common stock.</footnote>
        <footnote id="F3">Phantom stock units acquired under the Restoration Plan will be settled, in cash, the month following the six-month anniversary of the Reporting Person's separation from Company unless otherwise provided by the terms of the Restoration Plan or elected by the Reporting Person.</footnote>
    </footnotes>

    <remarks>EVP, Chief Technology and Operating Officer</remarks>

    <ownerSignature>
        <signatureName>/s/ Danielle Do, as attorney in fact</signatureName>
        <signatureDate>2025-02-10</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
