other material
confidence high
sentiment neutral
materiality 0.65
Synchrony January 2026: 30+ delinquency 4.6%, adjusted net charge-off 4.7%
Synchrony Financial
- Period-end loan receivables $101.7B, down from $103.8B in December 2025.
- 30+ delinquency rate 4.6% vs 4.5% in Dec 2025 and 4.7% a year ago.
- Net charge-off rate (annualized) 4.7%, down from 5.5% in Dec 2025.
- Adjusted net charge-off rate 4.7%, vs 5.4% in Dec 2025 and 6.2% a year ago.
- No loan receivables held for sale as of Jan 31, 2026.