Synchrony Financial posts $103B loan portfolio data

Synchrony Financial reports August 2026 loan receivables of $103.0 billion with a 4.2% 30+ delinquency rate and a 4.9% net charge-off rate.

Available on EDGAR 09/14/2026 - 06:01 AM EDT Accepted by SEC EDGAR 09/11/2026 - 05:35 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

Synchrony Financial (SYF) is furnishing unaudited monthly credit-quality statistics for its loan portfolio for each of the thirteen months ended August 31, 2026. As of August 31, 2026, period-end loan receivables were $103.0 billion, with average loan receivables of $102.3 billion for that month.

For August 2026, the company reports a 30+ delinquency rate of 4.2% and a net charge-off rate of 4.9%. Because recovery adjustments are zero in August, the adjusted net charge-off rate, a non‑GAAP measure that spreads recoveries (including debt sales) evenly across each quarter, is also 4.9%. Synchrony states that consumer credit card loan receivables represent more than 90% of total period-end loan receivables and that it intends to continue furnishing these statistics on a monthly basis.

Filing Explained

The filing adds monthly credit-quality visibility, but its statistics are furnished information, not information treated as filed under Section 18.

This Form 8-K furnishes Synchrony’s portfolio statistics under Item 7.01; the current state is an information update, and the exhibit is not treated as filed under Section 18 or incorporated by reference unless expressly stated.

For existing common holders, the material structural consequence is reporting visibility: the figures are supplied as furnished information rather than as a Section 18 filing.

The reported 30-plus-day delinquency rate uses period-end loan receivables as its denominator, while the annualized net charge-off rate uses average loan receivables, including receivables held for sale.

Monthly charge-offs can vary because the number and timing of charge-off cycle dates differ between months; the filing says this variation may occur without a corresponding change in portfolio performance.

The adjusted net charge-off rate adds a recovery adjustment that allocates recoveries, including debt sales, across a quarter; estimates for months before quarter-end can change and may differ from actual quarterly results.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Period-end loan receivables: $103.0 billion Average loan receivables, including held for sale: $102.3 billion 30+ delinquency rate: 4.2% +4 more

7 metrics

Period-end loan receivables $103.0 billion As of August 31, 2026

Average loan receivables, including held for sale $102.3 billion Month ended August 31, 2026

30+ delinquency rate 4.2% As of August 31, 2026

Net charge-off rate 4.9% Month ended August 31, 2026

Adjusted net charge-off rate 4.9% Month ended August 31, 2026; includes recovery adjustment

Consumer credit card share of receivables Greater than 90% Share of total period-end loan receivables at August 31, 2026

Charge-off cycle dates (August) 28 days Number of different charge-off cycle dates for consumer credit card receivables in August 2026

Key Terms

30+ delinquency rate, net charge-off rate, Adjusted net charge-off rate, non-GAAP financial measure, +1 more

5 terms

30+ delinquency rate financial

"References to “30+ delinquency rate” are to over-30 day loan delinquencies"

net charge-off rate financial

"References to “net charge-off rate” are to net charge-offs (annualized)"

Net charge-off rate is the percentage of outstanding loans a lender writes off as uncollectible during a period after subtracting any money later recovered. Think of it like a shop marking damaged items as total loss (then accounting for any partial refunds) — it shows how much credit a lender truly lost. Investors watch it because rising rates signal worsening borrower health, lower future profits and higher risk to a bank’s capital.

Adjusted net charge-off rate financial

"Adjusted net charge-off rate represents adjusted net charge-offs as a percentage"

non-GAAP financial measure financial

"Adjusted net charge-offs are a non-GAAP financial measure that include the 'recovery adjustment'"

A non-GAAP financial measure is a way companies present their financial results that excludes certain expenses or income to show how they believe their core business is performing. It matters because it can give a clearer picture of how the company is really doing, but it can also be used to make results look better than they actually are.

loan receivables held for sale financial

"Loan receivables held for sale | $ | —"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What monthly credit metrics did SYF report for August 31, 2026?

For August 31, 2026, Synchrony Financial reported period-end loan receivables of $103.0 billion, average loan receivables of $102.3 billion, a 30+ delinquency rate of 4.2%, and a net charge-off rate of 4.9%.

What is SYF's 30+ delinquency rate as of August 31, 2026?

As of August 31, 2026, Synchrony Financial’s 30+ delinquency rate was 4.2%. This represents over‑30‑day loan delinquencies as a percentage of period-end loan receivables.

What are SYF's net and adjusted net charge-off rates for August 2026?

For August 2026, Synchrony Financial reported a net charge-off rate of 4.9% and an adjusted net charge-off rate of 4.9%. The adjusted rate is a non‑GAAP financial measure that incorporates a recovery adjustment allocated evenly across the quarter.

How large is Synchrony Financial's loan portfolio around August 2026?

Synchrony Financial reported period-end loan receivables of $103.0 billion as of August 31, 2026, and $102.6 billion as of July 31, 2026. Average loan receivables for August 2026 were $102.3 billion.

What portion of SYF’s receivables comes from consumer credit cards?

Synchrony Financial disclosed that consumer credit card loan receivables represent greater than 90% of total period-end loan receivables at August 31, 2026.

Will SYF continue to provide monthly charge-off and delinquency statistics?

Synchrony Financial stated it intends to continue furnishing monthly charge-off and delinquency statistics, and for the last month of each calendar quarter these statistics will be furnished contemporaneously with its quarterly financial results announcement.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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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

September 14, 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 August 31, 2026.

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 August 31, 2026
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: September 14, 2026

By:

/s/ Jonathan Mothner

Name:

Jonathan Mothner

Title:

Executive Vice President, Chief Risk and Legal Officer

Exhibit 99.1

SYNCHRONY FINANCIAL
MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS
AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED
(unaudited, $ in billions)
The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended August 31, 2026.
			Aug 31, 2026						Jul 31, 2026						Jun 30, 2026						May 31, 2026						Apr 30, 2026						Mar 31, 2026						Feb 28, 2026						Jan 31, 2026						Dec 31, 2025						Nov 30, 2025						Oct 31, 2025						Sep 30, 2025						Aug 31, 2025
Period-end loan receivables			$	103.0					$	102.6					$	102.2					$	101.7					$	100.9					$	100.1					$	99.9					$	101.7					$	103.8					$	101.7					$	100.4					$	100.2					$	100.2
Loan receivables held for sale			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	0.2					$	0.2
Average loan receivables, including held for sale			$	102.3					$	101.9					$	101.3					$	100.6					$	100.2					$	99.3					$	100.7					$	102.1					$	102.8					$	100.3					$	99.8					$	100.1					$	99.9
30+ delinquency rate(1)			4.2		%				4.2		%				4.2		%				4.2		%				4.3		%				4.5		%				4.7		%				4.6		%				4.5		%				4.5		%				4.5		%				4.4		%				4.3		%
Net charge-off rate(1)(2)			4.9		%				4.7		%				5.3		%				5.5		%				5.5		%				5.8		%				5.8		%				4.7		%				5.5		%				5.6		%				5.0		%				5.3		%				5.1		%
Recovery adjustment(3)			—		%				0.2		%				(0.1)		%				(0.1)		%				0.1		%				—		%				—		%				—		%				(0.1)		%				(0.2)		%				0.3		%				(0.2)		%				0.2		%
Adjusted net charge-off rate(4)			4.9		%				4.9		%				5.2		%				5.4		%				5.6		%				5.8		%				5.8		%				4.7		%				5.4		%				5.4		%				5.3		%				5.1		%				5.3		%
(1) References to “30+ delinquency rate” are to over-30 day loan delinquencies as a percentage of period-end loan receivables. References to “net charge-off rate” are to net charge-offs (annualized) as a percentage of average loan receivables, including held for sale. Net charge-offs consist of uncollectible principal balances, net of recovered amounts. Uncollectible interest and fees receivables are written off as a reduction of interest and fees on loans.
(2) Charge-offs are executed on charge-off cycle dates which occur on various days during each calendar month. The number of different charge-off cycle dates in each month varies based on such factors as the calendar and the timing of billing cycles. As a result, the amount of charged-off loan receivables can vary between monthly periods with no corresponding change in the performance of the portfolio. The following table sets forth the number of different charge-off cycle dates for our consumer credit card loan receivables, which represent greater than 90% of total period end loan receivables at August 31, 2026, for the calendar months indicated.
			2025						2026
January			28						25
February			28						28
March			28						30
April			29						28
May			25						28
June			30						28
July			28						28
August			28						28
September			28						29
October			28						25
November			28						30
December			29						28
(3) Represents adjustment to allocate recoveries, including debt sales, evenly across the three calendar months of each respective quarterly reporting period. The adjustments for periods other than for the last month of each calendar quarter incorporate estimated recoveries for the applicable full quarterly reporting period. Such estimates are subject to change within each applicable quarter and may differ from actual quarterly results.
(4) Adjusted net charge-off rate represents adjusted net charge-offs as a percentage of average loan receivables, including held for sale. Adjusted net charge-offs are a non-GAAP financial measure that include the 'recovery adjustment' defined above. We believe the presentation of the adjusted net charge-off rate is useful to investors as it represents a monthly measure which is more indicative of both our quarterly and annual net charge-off rates.

1

Filing Exhibits & Attachments

5 documents

Press Releases

• EX-99.1 EX-99.1 88.1 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 2.2 KB
• EX-101 XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT 15.7 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT 27.7 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT 16.4 KB