---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-26-000037"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-09-11T21:35:58+00:00"
generated_at: "2026-09-14T10:06:11.000992+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.35
calibrated_materiality_score: 0.35
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001601712-26-000037
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-09-11T21:35:58+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.35
- calibrated_materiality_score: 0.35
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000037/0001601712-26-000037-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000037/syf-20260914.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-26-000037
- JSON: https://secwatch.observer/filing/0001601712-26-000037.json
- Plain text: https://secwatch.observer/filing/0001601712-26-000037.txt

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