---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000153"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-05-15T23:59:59+00:00"
generated_at: "2026-05-21T05:05:12.157944+00:00"
event_type: "other"
sentiment: "neutral"
materiality_score: 0.3
calibrated_materiality_score: 0.3
confidence: "high"
source: SEC EDGAR
---

# Synchrony reports Apr 2025 30+ delinquency rate 4.3%, net charge-off rate 6.3%

## Summary
- Period-end loan receivables $99.5B, down from $101.6B year-over-year.
- 30+ delinquency rate improved to 4.3% from 4.6% in Apr 2024.
- Net charge-off rate 6.3% (annualized), down from 6.7% in Apr 2024.
- Adjusted net charge-off rate (non-GAAP) also 6.3% for Apr 2025.
- Average loan receivables in Apr 2025 were $99.1B.

## SEC filing metadata
- accession: 0001601712-25-000153
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-05-15T23:59:59+00:00
- event_type: other
- sentiment: neutral
- materiality_score: 0.3
- calibrated_materiality_score: 0.3
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000153/0001601712-25-000153-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000153/syf-20250515.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000153
- JSON: https://secwatch.observer/filing/0001601712-25-000153.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000153.txt

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