# Synchrony Financial (SYF) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from Synchrony Financial's 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/SYF/mda/fy2025/): filed 2026-02-06; accession 0001601712-26-000006 (https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm); latest 10-K
- [FY 2024 MD&A](/company/SYF/mda/fy2024/): filed 2025-02-07; accession 0001601712-25-000044 (https://www.sec.gov/Archives/edgar/data/1601712/000160171225000044/syf-20241231.htm)
- [FY 2023 MD&A](/company/SYF/mda/fy2023/): filed 2024-02-08; accession 0001601712-24-000047 (https://www.sec.gov/Archives/edgar/data/1601712/000160171224000047/syf-20231231.htm)
- [FY 2022 MD&A](/company/SYF/mda/fy2022/): filed 2023-02-09; accession 0001601712-23-000037 (https://www.sec.gov/Archives/edgar/data/1601712/000160171223000037/syf-20221231.htm)
- [FY 2021 MD&A](/company/SYF/mda/fy2021/): filed 2022-02-10; accession 0001601712-22-000053 (https://www.sec.gov/Archives/edgar/data/1601712/000160171222000053/syf-20211231.htm)

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