Synchrony reports July 2025 credit metrics: 30+ delinquency 4.2%, net charge-off rate 5.1%

Synchrony Financial

Period-end loan receivables of $100.3B, down from $104.7B in Dec 2024; held for sale $0.2B.
30+ delinquency rate stable at 4.2% (June 4.2%, July 2024 4.6%).
Net charge-off rate (annualized) of 5.1%, improved from 5.8% in June and 6.2% in July 2024.
Adjusted net charge-off rate of 5.1% after recovery allocation; credit quality trending favorably.
Average loan receivables (incl. held for sale) of $99.7B for the month.

item 7.01item 9.01

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.