Item 2.02 Results of Operations and Financial Condition.

On January 24, 2020, Synchrony Financial (the "Company") issued a press release setting forth the Company's fourth quarter 2019 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 24, 2020, issued by Synchrony
               Financial
99.2           Financial Data Supplement of the Company for the quarter ended
               December 31, 2019
99.3           Financial Results Presentation of the Company for the quarter
               ended December 31, 2019
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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