---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000229"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:18:19.807489+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- accession: 0001601712-25-000229
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-07-22T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000229/0001601712-25-000229-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000229/syf-20250722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000229
- JSON: https://secwatch.observer/filing/0001601712-25-000229.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000229.txt

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