secwatch.observer — SEC 8-K summary
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Issuer:     Synchrony Financial (SYF)
CIK:        0001601712
Form:       8-K
Filed at:   2026-08-14T21:37:57+00:00
Accession:  0001601712-26-000035
Event type: other_material
Sentiment:  neutral
Materiality: 0.30
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1601712/000160171226000035/0001601712-26-000035-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1601712/000160171226000035/syf-20260817.htm
  HTML page:      https://secwatch.observer/filing/0001601712-26-000035

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