Synchrony Financial (NYSE: SYF) furnishes monthly charge-off and delinquency data

Rhea-AI Filing Summary

Synchrony Financial filed a current report to make its credit performance data more accessible. The company is furnishing Monthly Charge-Off and Delinquency Statistics for each of the thirteen months ended December 31, 2025 in Exhibit 99.1. These figures show how much of its credit portfolio is written off as uncollectible and how many accounts are past due, which helps readers understand credit quality trends.

The company also states that it intends to continue providing these statistics every month, and that for the last month of each calendar quarter they will be furnished at the same time as its quarterly financial results. The information is furnished under a non‑filed disclosure item, meaning it is not treated as filed for liability purposes or automatically incorporated into other securities law filings unless specifically referenced.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549 

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

January 27, 2026

Date of Report

(Date of earliest event reported) 

SYNCHRONY FINANCIAL

(Exact name of registrant as specified in its charter) 

Delaware

001-36560

51-0483352

(State or other jurisdiction of incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

777 Long Ridge Road
Stamford,			Connecticut						06902
(Address of principal executive offices)									(Zip Code)

(203) 585-2400

(Registrant’s telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: 

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered Pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common stock, par value $0.001 per share			SYF			New York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A			SYFPrA			New York Stock Exchange
Depositary Shares Each Representing a 1/40th Interest in a Share of 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B			SYFPrB			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ¨

Item 7.01 Regulation FD Disclosure.

The Company hereby furnishes the information in Exhibit 99.1 hereto, Monthly Charge-Off and Delinquency Statistics as of and for each of the thirteen months ended December 31, 2025.

The Company intends to continue to furnish these statistics on a monthly basis, noting that for the last month of each calendar quarter, the statistics will be furnished contemporaneously with the Company’s announcement of its financial results for such quarter.

The information contained in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1, is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly stated by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

The following exhibits are being furnished as part of this report: 

Number						Description
99.1						Monthly Charge-off and Delinquency Statistics as of and for each of the thirteen months ended December 31, 2025
104						The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURES

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

SYNCHRONY FINANCIAL

Date: January 27, 2026

By:

/s/ Jonathan Mothner

Name:

Jonathan Mothner

Title:

Executive Vice President, Chief Risk and Legal Officer

FAQ

What did Synchrony Financial (SYF) disclose in this 8-K?

Synchrony Financial furnished Monthly Charge-Off and Delinquency Statistics for each of the thirteen months ended December 31, 2025 in Exhibit 99.1.

Will Synchrony Financial (SYF) provide charge-off and delinquency data regularly?

Yes. The company states it intends to continue furnishing monthly charge-off and delinquency statistics, with data for the last month of each quarter furnished when it announces quarterly results.

Where can investors find the detailed credit statistics for SYF?

The detailed figures are included in Exhibit 99.1 to this report, titled "Monthly Charge-off and Delinquency Statistics as of and for each of the thirteen months ended December 31, 2025."

Are the statistics in this SYF report considered filed with the SEC?

No. The company states the information in Item 7.01 and Exhibit 99.1 is furnished, not filed, and is not subject to Section 18 liabilities or incorporated in other filings unless specifically referenced.

What is the main purpose of the SYF 8-K dated January 27, 2026?

The main purpose is to furnish monthly credit quality statistics—charge-offs and delinquencies—for a thirteen-month period ended December 31, 2025, and to outline the company’s plan to continue this monthly disclosure.

Who signed the Synchrony Financial 8-K for the monthly statistics?

The report was signed on behalf of Synchrony Financial by Jonathan Mothner, Executive Vice President, Chief Risk and Legal Officer.