---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-26-000008"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-02-10T23:59:59+00:00"
generated_at: "2026-05-16T03:35:54.284295+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Synchrony January 2026: 30+ delinquency 4.6%, adjusted net charge-off 4.7%

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-26-000008
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-02-10T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000008/0001601712-26-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000008/syf-20260210.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-26-000008
- JSON: https://secwatch.observer/filing/0001601712-26-000008.json
- Plain text: https://secwatch.observer/filing/0001601712-26-000008.txt

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