Every material Form 8-K Synchrony Financial filed with the SEC in 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
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.
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.
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.
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.
Synchrony Financial announced executive leadership changes effective June 29, 2026. Carol Juel, formerly Executive Vice President, Chief Technology and Operating Officer, becomes Executive Vice President and Chief Executive Officer of the Digital platform, succeeding Bart Schaller, who plans to retire after a 35-year career. The company also promoted Florin Arghirescu to Chief Technology Officer and expanded DJ Casto's role to include Operations.
Carol Juel named EVP and CEO of the Digital platform, succeeding Bart Schaller, effective June 29, 2026
Florin Arghirescu promoted to EVP and Chief Technology Officer, reporting to CEO Brian Doubles
DJ Casto appointed EVP, Chief People and Operations Officer, adding servicing, collections and customer care to Human Resources
Synchrony Financial reported first quarter 2026 net earnings of $805 million, or $2.27 per diluted share, up from $757 million, or $1.89 per diluted share, a year earlier. The Board also approved a new share repurchase program of up to $6.5 billion with no expiration date and a planned 13% increase in the quarterly dividend, which matters to shareholders because it changes how much capital the company plans to return.
Net earnings rose 6% to $805 million; diluted EPS was $2.27 versus $1.89 in the first quarter of 2025
New buyback of up to $6.5 billion starts in the second quarter of 2026 and replaces the prior program, which was scheduled to expire June 30, 2026
Quarterly dividend planned to rise 13% to $0.34 per share beginning in the third quarter of 2026
Estimated Common Equity Tier 1 ratio was 12.7%, compared with 13.2% a year earlier
Synchrony reported fourth quarter 2025 net earnings of $751 million, or $2.04 per diluted share, down from $774 million in the fourth quarter of 2024. The results included a $51 million after-tax restructuring charge tied to a voluntary employee early retirement program, which equaled $0.14 per diluted share. For shareholders, lower net earnings were partly offset by a higher per-share figure, and the company returned $1.1 billion in capital during the quarter.
Net earnings were $751 million, down 3.0% from $774 million; diluted EPS was $2.04, up from $1.91.
Net revenue was $3,793 million, down 0.2% from $3,801 million in the prior-year quarter.
A $51 million after-tax restructuring charge, or $0.14 per diluted share, related to a voluntary employee early retirement program.
Share repurchases totaled $952 million, and common stock dividends totaled $106 million, for $1.1 billion returned to shareholders.
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.
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