---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000257"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-10-15T23:59:59+00:00"
generated_at: "2026-05-17T03:44:19.248898+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.45
calibrated_materiality_score: 0.45
confidence: "high"
source: SEC EDGAR
---

# Synchrony Sep 2025 net charge-off rate 5.3%, 30+ delinquency 4.4%

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-25-000257
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-10-15T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.45
- calibrated_materiality_score: 0.45
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000257/0001601712-25-000257-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000257/syf-20251015.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000257
- JSON: https://secwatch.observer/filing/0001601712-25-000257.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000257.txt

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