secwatch.observer — SEC 8-K summary
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Issuer:     Synchrony Financial (SYF)
CIK:        0001601712
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0001601712-26-000004
Event type: other_material
Sentiment:  neutral
Materiality: 0.50
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1601712/000160171226000004/0001601712-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1601712/000160171226000004/syf-20260127.htm
  HTML page:      https://secwatch.observer/filing/0001601712-26-000004

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer