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AI brief of an SEC Form 8-K · Synchrony Financial (SYF)

Synchrony Financial's July net charge-off rate falls to 4.7% from 5.3% in June

Neutral Impact 2 of 5 other Written later

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.

Key points

  • 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.

The filing

CompanySynchrony Financial (SYF)
Form8-K, current report
Filed with the SECAug 14, 2026, 5:37 PM ET
Accession number0001601712-26-000035

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:42 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on August 14, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.