---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000249"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-08-15T23:59:59+00:00"
generated_at: "2026-05-17T12:24:20.763646+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.4
calibrated_materiality_score: 0.4
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-25-000249
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-08-15T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.4
- calibrated_materiality_score: 0.4
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000249/0001601712-25-000249-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000249/syf-20250815.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000249
- JSON: https://secwatch.observer/filing/0001601712-25-000249.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000249.txt

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