Synchrony Financial June credit metrics improve; delinquencies at 4.2%, net charge-offs at 5.8%

Synchrony Financial

Period-end loan receivables $99.8B at June 30, 2025, down 2.4% YoY from $102.3B.
30+ delinquency rate improved to 4.2% from 4.5% in June 2024.
Net charge-off rate (annualized) was 5.8% in June 2025 vs 6.1% a year ago.
Adjusted net charge-off rate (non-GAAP) was 5.7% vs 6.1% YoY.
Loan receivables held for sale of $0.2B recorded at June 30, 2025 (none prior month).

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