Synchrony Financial Reports Monthly Charge-Off and Delinquency Statistics for September 2026

Synchrony Financial (NYSE: SYF) – Form 8-K Analysis

Overview

On October 20, 2026, Synchrony Financial filed a Current Report on Form 8-K under Item 7.01 (Regulation FD Disclosure) and Item 9.01 (Financial Statements and Exhibits) to furnish credit performance statistics as Exhibit 99.1.

Key Disclosures

• Monthly Performance Data: Furnished monthly charge-off and delinquency statistics for each of the thirteen months ended September 30, 2026.
• Loan Receivables: Total period-end loan receivables stood at $103.3 billion as of September 30, 2026, compared to $103.0 billion as of August 31, 2026, and $100.2 billion as of September 30, 2025.
• Delinquencies (30+ Days): The 30+ delinquency rate was 4.3% as of September 30, 2026, slightly up from 4.2% in the prior four months (May–August 2026) and down from 4.4% in September 2025.
• Net Charge-Offs: The net charge-off rate declined to 4.7% in September 2026 from 4.9% in August 2026 and 5.3% in September 2025. The adjusted net charge-off rate stood at 4.6%.

Regulatory Notes

Pursuant to General Instruction B.2 of Form 8-K, the information furnished under Item 7.01 and Exhibit 99.1 is not deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 and is not incorporated by reference into any filings under the Securities Act of 1933.