---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-25-000264"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2025-12-09T23:59:59+00:00"
generated_at: "2026-05-16T13:47:48.291148+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-25-000264
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2025-12-09T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000264/0001601712-25-000264-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171225000264/syf-20251209.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-25-000264
- JSON: https://secwatch.observer/filing/0001601712-25-000264.json
- Plain text: https://secwatch.observer/filing/0001601712-25-000264.txt

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