---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-26-000021"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-05-14T21:38:25+00:00"
generated_at: "2026-05-15T10:05:51.834679+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Synchrony Financial April 2026 credit metrics: net charge-off rate falls to 5.5% from 6.3% YoY

## Summary
- Period-end loan receivables of $100.9B, up from $99.5B in April 2025.
- 30+ day delinquency rate 4.3%, flat compared to 4.3% a year earlier.
- Net charge-off rate (annualized) 5.5%, down from 6.3% in April 2025.
- Adjusted net charge-off rate 5.6%, also down from 6.3% YoY.

## SEC filing metadata
- accession: 0001601712-26-000021
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-05-14T21:38:25+00:00
- event_type: other_material
- sentiment: positive
- 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/1601712/000160171226000021/0001601712-26-000021-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000021/syf-20260515.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-26-000021
- JSON: https://secwatch.observer/filing/0001601712-26-000021.json
- Plain text: https://secwatch.observer/filing/0001601712-26-000021.txt

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