Synchrony Feb 2026 charge-off rate 5.8%, down from 6.8% YoY; delinquency steady at 4.7%

Synchrony Financial

Net charge-off rate for Feb 2026 was 5.8% (annualized), vs 6.8% in Feb 2025 but up from 4.7% in Jan 2026.
30+ delinquency rate of 4.7% as of Feb 28, 2026, unchanged from a year ago; increased from 4.6% as of Jan 31, 2026.
Period-end loan receivables $99.9B, vs $100.1B in Feb 2025; average loan receivables $100.7B.

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