Synchrony Aug 2025 credit: 30+ delinquencies 4.3%, net charge-off 5.1% YoY improvement

Synchrony Financial

Period-end loan receivables $100.2B, down from $102.5B in Aug 2024.
30+ delinquency rate 4.3% as of Aug 31, 2025, vs 4.6% a year earlier.
Net charge-off rate (annualized) 5.1% for Aug 2025, down from 5.6% in Aug 2024.
Adjusted net charge-off rate 5.3% vs 5.7% prior year, reflecting improved credit.

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