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

Synchrony Financial September net charge-off rate falls to 4.7% from 5.3% a year earlier

Positive Impact 2 of 5 other

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.

Key points

  • 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.

The filing

CompanySynchrony Financial (SYF)
Form8-K, current report
Filed with the SECOct 20, 2026, 6:03 AM ET
Accession number0001601712-26-000041

Items reported: 7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 7, 2026, 11:17 PM ET, from the text of the filing and its press-release exhibits only.

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