---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000262"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-11-12T23:59:59+00:00"
generated_at: "2026-05-16T21:12:27.176396+00:00"
event_type: "other"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Synchrony Oct credit stats: 30+ delinquency 4.5%, adj. NCO 5.3%

## Summary
- Period-end loans $100.4B vs $100.2B in Sep; 30+ delinquency 4.5% (Sep: 4.4%, Oct 2024: 4.9%).
- Net charge-off rate (annualized) 5.0% vs 5.3% in Sep and 6.2% year ago.
- Adjusted net charge-off rate 5.3% vs 5.1% in Sep; recovery adjustment added 0.3%.
- Charge-off cycle dates varied: credit card portfolio had 28 dates in Oct vs 28 in Sep.

## SEC filing metadata
- accession: 0001601712-25-000262
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-11-12T23:59:59+00:00
- event_type: other
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000262/0001601712-25-000262-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000262/syf-20251112.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000262
- JSON: https://secwatch.observer/filing/0001601712-25-000262.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000262.txt

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