---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000046"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-02-10T23:59:59+00:00"
generated_at: "2026-05-27T00:02:53.633078+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.45
calibrated_materiality_score: 0.45
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-25-000046
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-02-10T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.45
- calibrated_materiality_score: 0.45
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000046/0001601712-25-000046-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000046/syf-20250210.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000046
- JSON: https://secwatch.observer/filing/0001601712-25-000046.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000046.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.