other material
confidence high
sentiment neutral
materiality 0.30
Synchrony July 2026 net charge-off rate 4.7%, 30+ delinquency 4.2%
Synchrony Financial
- Period-end loan receivables $102.6B at July 31, 2026, up from $102.2B in June.
- 30+ delinquency rate 4.2% for third straight month, down from 4.5% in March 2026.
- Net charge-off rate 4.7% in July, down from 5.3% in June; adjusted rate 4.9%.
- Recovery adjustment added 0.2% to July net charge-off rate; 28 charge-off cycle dates in July 2026.