---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000251"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-09-10T23:59:59+00:00"
generated_at: "2026-05-17T07:00:03.547266+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.35
calibrated_materiality_score: 0.35
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-25-000251
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-09-10T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.35
- calibrated_materiality_score: 0.35
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000251/0001601712-25-000251-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000251/syf-20250910.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000251
- JSON: https://secwatch.observer/filing/0001601712-25-000251.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000251.txt

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