Oct 20, 6:03 AM ET
Synchrony Financial filed monthly credit statistics for the thirteen months through September 30, 2026, as an unaudited exhibit to an 8-K. For September 2026, the net charge-off rate was 4.7%, down from 5.3% in September 2025, and the 30+ day delinquency rate was 4.3%, down from 4.4%. The company said it will keep publishing these figures monthly, with quarter-end months released alongside its earnings.
- Net charge-off rate was 4.7% for September 2026, versus 5.3% for September 2025.
- Adjusted net charge-off rate, a non-GAAP measure, was 4.6% for September 2026, versus 5.1% a year earlier.
- 30+ day delinquency rate was 4.3% at September 30, 2026, versus 4.4% at September 30, 2025.
- Period-end loan receivables were $103.3 billion at September 30, 2026, versus $100.2 billion a year earlier.
Read the filing on SEC.gov ↗
Oct 20, 6:00 AM ET
Synchrony Financial reported third quarter 2026 net earnings of $892 million, or $2.68 per diluted share, down from $1.1 billion, or $2.86 per diluted share, in the third quarter of 2025. Net interest income rose 2% to $4.8 billion and purchase volume rose 8% to $49.7 billion, but higher provisions for credit losses and other expenses lowered earnings, and the company returned $1.2 billion to shareholders.
- Net earnings fell $185 million, or 17%, to $892 million; diluted EPS was $2.68 versus $2.86 a year earlier.
- Net interest income rose $89 million, or 2%, to $4.8 billion; other expense rose $123 million, or 10%, to $1.4 billion.
- Loan receivables rose 3% to $103.3 billion; the company returned $1.2 billion to shareholders, including $1.1 billion of share repurchases.
- Estimated Common Equity Tier 1 ratio was 12.9%, compared with 14.3% a year earlier; quarterly dividend declared was $0.34 per share versus $0.30.
Read the filing on SEC.gov ↗
Aug 14, 5:37 PM ET
Synchrony furnished unaudited monthly charge-off and delinquency statistics for the 13 months ended July 31, 2026, under Item 7.01 of Form 8-K. The July net charge-off rate was 4.7%, down from 5.3% in June, while the 30+ day delinquency rate held at 4.2%. The company says it will continue monthly disclosures and will publish the last month of each quarter alongside its quarterly results.
- Net charge-off rate was 4.7% in July 2026, versus 5.3% in June 2026.
- 30+ day delinquency rate was 4.2% at July 31, 2026, unchanged from June 30, 2026.
- Period-end loan receivables were $102.6 billion at July 31, 2026, up from $102.2 billion at June 30, 2026.
- Adjusted net charge-off rate was 4.9% in July 2026, versus 5.2% in June; the company says monthly charge-off counts vary with cycle dates.
Read the filing on SEC.gov ↗
Jul 21, 6:00 AM ET
Synchrony Financial reported second quarter 2026 net earnings of $885 million, or $2.59 per diluted share, compared with $967 million, or $2.50 per diluted share, a year earlier. Net earnings fell as other expense rose $86 million and the provision for credit losses increased $55 million, while the per-share figure improved as the share count dropped. The company returned $950 million to shareholders in the quarter, including $850 million of share repurchases.
- Net earnings were $885 million, down $82 million or 8% from $967 million in the second quarter of 2025.
- Diluted EPS was $2.59, up from $2.50 a year earlier.
- Purchase volume rose 8% to $49.8 billion, which the company called an all-time high.
- The company returned $950 million to shareholders, including $850 million of share repurchases, and had $5.7 billion of repurchase authorization remaining as of June 30, 2026.
Read the filing on SEC.gov ↗
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