secwatch.observer — SEC 8-K summary
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Issuer:     Synchrony Financial (SYF)
CIK:        0001601712
Form:       8-K
Filed at:   2025-10-15T23:59:59+00:00
Accession:  0001601712-25-000257
Event type: other_material
Sentiment:  positive
Materiality: 0.45
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1601712/000160171225000257/0001601712-25-000257-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1601712/000160171225000257/syf-20251015.htm
  HTML page:      https://secwatch.observer/filing/0001601712-25-000257

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer