Synchrony Dec 2025: loans $103.8B, 30+ delinquency 4.5%, adjusted net charge-off 5.4%

Synchrony Financial

Period-end loan receivables $103.8B at Dec 31, 2025, up from $101.7B in Nov 2025.
30+ delinquency rate unchanged at 4.5%, flat vs Nov 2025 and down from 4.7% a year ago.
Net charge-off rate (annualized) was 5.5% in Dec 2025 vs 5.6% in Nov 2025; adjusted rate 5.4%.
Adjusted net charge-off rate improved from Dec 2024's 6.7% to Dec 2025's 5.4%.
Recovery adjustment in Dec 2025 was (0.1)% vs (0.2)% in Nov 2025.

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