---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-26-000010"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-03-10T23:59:59+00:00"
generated_at: "2026-05-15T16:38:55.113884+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-26-000010
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-03-10T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000010/0001601712-26-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000010/syf-20260310.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-26-000010
- JSON: https://secwatch.observer/filing/0001601712-26-000010.json
- Plain text: https://secwatch.observer/filing/0001601712-26-000010.txt

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