other material
confidence high
sentiment positive
materiality 0.45
Synchrony Sep 2025 net charge-off rate 5.3%, 30+ delinquency 4.4%
Synchrony Financial
- Period-end loan receivables $100.2B, down from $102.2B in Sep 2024.
- 30+ delinquency rate 4.4% vs 4.8% a year ago, improving 40 bps YoY.
- Net charge-off rate 5.3% (annualized) vs 6.4% in Sep 2024, down 110 bps.
- Adjusted net charge-off rate 5.1% vs 6.2% in Sep 2024, also improved.
- Loan receivables held for sale $0.2B, unchanged from prior two months.