Synchrony Nov 2025 credit stats: 30+ delinquency 4.5% (flat MoM, -40bp YoY), net charge-off 5.6%

Synchrony Financial

Period-end loan receivables $101.7B, up from $100.4B in Oct and down from $102.9B a year ago.
30+ delinquency rate 4.5%, unchanged from Oct and improved from 4.9% in Nov 2024.
Net charge-off rate 5.6% (annualized), up from 5.0% in Oct but down from 6.2% a year ago.
Adjusted net charge-off rate (non-GAAP) 5.4%, compared to 5.3% in Oct and 6.2% in Nov 2024.
Recovery adjustment of -0.2% this month reflects quarterly recovery allocation.

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