Synchrony reports Jan 2025 charge-off rate 6.2%, delinquency rate 4.7%

Synchrony Financial

Period-end loan receivables $102.2B, up from $101.3B a year earlier.
30+ delinquency rate 4.7% (unchanged from Dec 2024, down from 4.9% in Jan 2024).
Net charge-off rate 6.2% (annualized), vs 5.8% in Jan 2024; adjusted rate also 6.2%.
Average loan receivables $102.8B for Jan 2025.
Credit card loans represent ~92% of total period-end receivables.

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