Synchrony Aug 2026 credit stats: 30+ delinquency 4.2%, NCO rate 4.9%, loans $103.0B

Synchrony Financial

Period-end loan receivables $103.0B at Aug 31, 2026, up from $100.2B a year earlier.
30+ delinquency rate 4.2% (July 4.2%, Aug 2025 4.3%); stable over trailing year.
Net charge-off rate 4.9% (July 4.7%, Aug 2025 5.1%); adjusted NCO rate 4.9%.
Average loan receivables $102.3B; held-for-sale loan receivables $0.
Monthly charge-off cycle dates vary by calendar; Aug 2026 had 28 dates for card receivables.

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