QuickLinks -- Click here to rapidly navigate through this document

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549


Form 11-K

(Mark One)  

ý

ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (NO FEE REQUIRED)

For the fiscal year ended December 31, 2002

OR

o

TRANSITION REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 (NO FEE REQUIRED)

For the transition period from                             to                              

Commission File No. 1-11402


Galileo International
Savings and Investment Plan
(Full title of the Plan)

Cendant Corporation
(Name of issuer of the securities held pursuant to the Plan)

9 West 57th Street
New York, New York 10019
(Address of principal executive office)




GALILEO INTERNATIONAL
SAVINGS AND INVESTMENT PLAN


TABLE OF CONTENTS

 
  Page
INDEPENDENT AUDITORS' REPORT   1

FINANCIAL STATEMENTS:

 

 
 
Statements of Net Assets Available for Benefits as of December 31, 2002 and 2001

 

2
 
Statement of Changes in Net Assets Available for Benefits for the Year Ended December 31, 2002

 

3
 
Notes to Financial Statements

 

4

SUPPLEMENTAL SCHEDULE:

 

 
 
Form 5500, Part IV, Schedule H, Line 4i Schedule of Assets (Held At End of Year) as of December 31, 2002

 

8

SIGNATURES

 

9

EXHIBIT INDEX:

 

10
 
Consent of Deloitte & Touche LLP

 

 
 
Certification

 

 

Schedules required under the Employee Retirement Income Security Act of 1974, other than the schedule listed above, are omitted because of the absence of the conditions under which they are required.


INDEPENDENT AUDITORS' REPORT

To the Trustees and Participants of
Galileo International Savings and Investment Plan:

We have audited the accompanying statements of net assets available for benefits of Galileo International Savings and Investment Plan (the "Plan") as of December 31, 2002 and 2001, and the related statement of changes in net assets available for benefits for the year ended December 31, 2002. These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, such financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2002 and 2001, and the changes in net assets available for benefits for the year ended December 31, 2002 in conformity with accounting principles generally accepted in the United States of America.

Our audits were conducted for the purpose of forming an opinion on the basic financial statements taken as a whole. The supplemental schedule of assets (held at end of year) as of December 31, 2002, is presented for the purpose of additional analysis and is not a required part of the basic financial statements but is supplementary information required by the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. This schedule is the responsibility of the Plan's management. Such schedule has been subjected to the auditing procedures applied in our audit of the basic 2002 financial statements and, in our opinion, is fairly stated in all material respects when considered in relation to the basic financial statements taken as a whole.

/s/ Deloitte & Touche LLP
New York, New York
June 27, 2003

1


GALILEO INTERNATIONAL
SAVINGS AND INVESTMENT PLAN

STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS
DECEMBER 31, 2002 AND 2001

 
  2002
  2001
ASSETS:            
  Investments, at contract value   $ 70,495,288   $ 63,735,996
  Investments, at fair value     76,789,723     118,711,894
  Cendant Corporation common stock     2,893,166     6,490,220
  Participant notes receivable     2,833,556     3,889,782
   
 
      153,011,733     192,827,892
   
 
LIABILITIES:            
  Due to Cendant Corporation Employee Savings Plan     153,011,733    
   
 
NET ASSETS AVAILABLE FOR BENEFITS   $   $ 192,827,892
   
 

The accompanying notes are an integral part of these financial statements.

2


GALILEO INTERNATIONAL
SAVINGS AND INVESTMENT PLAN

STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS
YEAR ENDED DECEMBER 31, 2002

ADDITIONS TO NET ASSETS:        
  Investment income:        
    Interest   $ 3,747,379  
    Interest on participant loans     230,817  
   
 
      Total investment income     3,978,196  
   
 
  Contributions:        
    Participants     7,947,687  
    Employer     2,448,747  
    Rollovers     129,256  
   
 
      Total contributions     10,525,690  
   
 
      Total additions     14,503,886  
   
 
DEDUCTIONS FROM NET ASSETS:        
  Benefits paid to participants     27,726,942  
  Net depreciation in fair value of investments     26,555,863  
  Administrative expenses and other     37,240  
   
 
      Total deductions     54,320,045  
   
 

DECREASE IN NET ASSETS AVAILABLE FOR BENEFITS

 

 

(39,816,159

)

NET ASSETS TO BE TRANSFERRED TO CENDANT CORPORATION EMPLOYEE SAVINGS PLAN

 

 

(153,011,733

)

NET ASSETS AVAILABLE FOR BENEFITS,
BEGINNING OF YEAR

 

 

192,827,892

 
   
 
 
END OF YEAR

 

$


 
   
 

The accompanying notes are an integral part of these financial statements.

3


GALILEO INTERNATIONAL
SAVINGS AND INVESTMENT PLAN

NOTES TO FINANCIAL STATEMENTS

1.     DESCRIPTION OF THE PLAN

4


2.     SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

5


3.     INVESTMENTS

 
  2002
  2001
 
Guaranteed Long-Term Account   $ 70,495,287   $ 63,735,996  
S&P 500 Index     16,836,675     25,967,411  
Fidelity Advisor Equity Growth Account     12,514,554     22,735,538  
Janus Worldwide Account           11,443,943  
Small Cap Value/Berger Account     7,699,432     10,925,063  
Balanced Wellington Management Account     13,341,018     10,330,968  

During 2002, the Plan's investments (including gains and losses on investments bought and sold, as well as held during the year) depreciated in fair value, is as follows:

 

Investments, at fair value

 

 

 

 

$

(23,981,185

)
Cendant Corporation common stock           (2,574,678 )
         
 
          $ (26,555,863 )
         
 

4.     RELATED PARTY TRANSACTIONS

6


5.     INVESTMENT CONTRACT WITH INSURANCE COMPANY

6.     FEDERAL INCOME TAX STATUS

7.     PLAN TERMINATION

8.     SUBSEQUENT EVENT

7


GALILEO INTERNATIONAL
SAVINGS AND INVESTMENT PLAN

FORM 5500, PART IV, SCHEDULE H, LINE 4i—SCHEDULE OF ASSETS (HELD AT END OF YEAR) AS OF DECEMBER 31, 2002

Identity of Issue

  Description of Investment
  Number of
shares, units
or par value

  Current value
Cendant Corporation*   Common Stock   274,896   $ 2,893,166

Guaranteed Long-Term Account*

 

Investment Contract

 

1,628,988

 

 

70,495,288

S&P 500 Index

 

Mutual Fund

 

345,131

 

 

16,836,675
Balanced Wellington Management Account*   Mutual Fund   1,455,264     13,341,018
Fidelity Advisor Equity Growth Account   Mutual Fund   218,410     12,514,554
Small Cap Value/Berger Account*   Mutual Fund   505,411     7,699,432
Janus Worldwide Account   Mutual Fund   141,327     5,998,403
Small Cap Growth/Times Square Capital Management Account*   Mutual Fund   355,209     4,660,299
Large Cap Blend/Invesco-NAM Account*   Mutual Fund   656,815     4,171,281
Large Cap Wellington Management Account*   Mutual Fund   361,081     2,903,152
Medium Cap Growth/Artisan Partners   Mutual Fund   423,630     2,877,262
Large Cap Growth/ Morgan Stanley Account   Mutual Fund   324,909     2,619,829
Lazard International Equity Account   Mutual Fund   146,345     1,896,507
International Growth/Putnam Account   Mutual Fund   179,695     1,271,311

Participant loans receivable**

 

Loans receivable

 

2,833,556

 

 

2,833,556
           
            $ 153,011,733
           

*
Represents exempt party-in-interest transaction

**
Interest rates range from 4.75% to 10.0%, maximum of five years to maturity, except for loans used to acquire the principal residence of the participant

******

8



SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Plan Committee has duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.

    Galileo International Savings and Investment Plan

 

 

BY:

/s/  
TERENCE P. CONLEY      
Terence P. Conley
Executive Vice President,
Human Resources
Cendant Corporation

 

 

Cendant Corporation

 

 

BY:

/s/  
RONALD L. NELSON      
Ronald L. Nelson
Chief Financial Officer
Cendant Corporation

Date: June 30, 2003

9



EXHIBIT INDEX

Exhibit No.

  Description



23.1


 


Consent of Deloitte & Touche LLP.

99

 

Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

10




QuickLinks

TABLE OF CONTENTS
SIGNATURES
EXHIBIT INDEX

QuickLinks -- Click here to rapidly navigate through this document

Exhibit 23.1

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in Registration Statement No. 333-64738 of Cendant Corporation on Form S-8 of our report dated June 27, 2003, appearing in this Annual Report on Form 11-K of the Galileo International Savings and Investment Plan for the year ended December 31, 2002.

/s/ Deloitte & Touche LLP
New York, New York
June 30, 2003



QuickLinks

INDEPENDENT AUDITORS' CONSENT

QuickLinks -- Click here to rapidly navigate through this document

Exhibit 99


CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of the Galileo International Savings and Investment Plan (the "Plan") on Form 11-K for the year ended December 31, 2002, as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Terence P. Conley, Executive Vice President of Cendant Corporation and a Member of the Galileo International ERISA Plans Administration Committee, certify pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge:



/s/  TERENCE P. CONLEY          
Terence P. Conley
Executive Vice President of Cendant Corporation, Plan Administrator and Member of the Galileo International ERISA Plans Administration Committee
       
June 30, 2003        

A signed original of this written statement required by Section 906 has been provided to Cendant Corporation and will be retained by Cendant Corporation and furnished to the Securities and Exchange Commission or its staff upon request.




QuickLinks

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002