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

Synchrony Financial reports October 2026 adjusted net charge-off rate of 4.6%

Neutral Impact 2 of 5 other

Synchrony Financial furnished its monthly charge-off and delinquency statistics for the thirteen months ended October 31, 2026, in Exhibit 99.1 to an 8-K filed November 9, 2026. The October figures show a 4.4% 30+ day delinquency rate and a 4.6% adjusted net charge-off rate, both lower than a year earlier, and the company said it will continue monthly reporting with quarter-end months tied to earnings releases.

Key points

  • October 31, 2026 period-end loan receivables were $103.7 billion, up from $100.4 billion a year earlier.
  • The 30+ day delinquency rate was 4.4% at October 31, 2026, versus 4.3% at September 30, 2026 and 4.5% at October 31, 2025.
  • The adjusted net charge-off rate was 4.6% for October 2026, compared with 5.3% for October 2025.
  • The company will furnish these statistics monthly, with the last month of each calendar quarter released alongside its quarterly results.

The filing

CompanySynchrony Financial (SYF)
Form8-K, current report
Filed with the SECNov 9, 2026, 5:42 PM ET
Accession number0001601712-26-000045

Items reported: 7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 10, 2026, 6:01 AM ET, from this filing only.

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.