---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-26-000035"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-08-14T21:37:57+00:00"
generated_at: "2026-08-17T10:05:17.681546+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.3
calibrated_materiality_score: 0.3
confidence: "high"
source: SEC EDGAR
---

# Synchrony July 2026 net charge-off rate 4.7%, 30+ delinquency 4.2%

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-26-000035
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-08-14T21:37:57+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.3
- calibrated_materiality_score: 0.3
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000035/0001601712-26-000035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000035/syf-20260817.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-26-000035
- JSON: https://secwatch.observer/filing/0001601712-26-000035.json
- Plain text: https://secwatch.observer/filing/0001601712-26-000035.txt

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