---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-26-000004"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:31:46.946226+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-26-000004
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: other_material
- 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/1601712/000160171226000004/0001601712-26-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000004/syf-20260127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-26-000004
- JSON: https://secwatch.observer/filing/0001601712-26-000004.json
- Plain text: https://secwatch.observer/filing/0001601712-26-000004.txt

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