---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-26-000014"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-04-21T23:59:59+00:00"
generated_at: "2026-05-15T05:06:48.535679+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Synchrony March credit stats: net charge-off 5.8%, 30+ delinquency 4.5%

## Summary
- Period-end loan receivables $100.1B as of March 31, 2026, up from $99.6B a year ago.
- Adjusted net charge-off rate of 5.8% improved YoY from 6.2% in March 2025.
- 30+ day delinquency rate unchanged at 4.5% versus March 2025; down from 4.7% in February 2026.
- Average loan receivables for March were $99.3B, slightly below the $99.6B level in March 2025.

## SEC filing metadata
- accession: 0001601712-26-000014
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-04-21T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000014/0001601712-26-000014-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000014/syf-20260421.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-26-000014
- JSON: https://secwatch.observer/filing/0001601712-26-000014.json
- Plain text: https://secwatch.observer/filing/0001601712-26-000014.txt

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