secwatch.observer — SEC 8-K summary
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Issuer:     Synchrony Financial (SYF)
CIK:        0001601712
Form:       8-K
Filed at:   2026-02-10T23:59:59+00:00
Accession:  0001601712-26-000008
Event type: other_material
Sentiment:  neutral
Materiality: 0.65
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1601712/000160171226000008/0001601712-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1601712/000160171226000008/syf-20260210.htm
  HTML page:      https://secwatch.observer/filing/0001601712-26-000008

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