---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000114"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-03-17T23:59:59+00:00"
generated_at: "2026-05-24T15:39:03.863590+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Synchrony Financial Feb 2025 charge-off rate rises to 6.8%; delinquency steady at 4.7%

## Summary
- Period-end loan receivables $100.1B, down from $102.2B in Jan 2025 and $100.0B in Feb 2024.
- Net charge-off rate (annualized) 6.8% vs 6.2% in Jan 2025 and 6.5% a year ago.
- 30+ day delinquency rate 4.7%, unchanged from Jan 2025 vs 5.0% in Feb 2024.
- Adjusted net charge-off rate (non-GAAP) also 6.8% after recovery adjustment.

## SEC filing metadata
- accession: 0001601712-25-000114
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-03-17T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000114/0001601712-25-000114-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000114/syf-20250317.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000114
- JSON: https://secwatch.observer/filing/0001601712-25-000114.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000114.txt

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