secwatch.observer — SEC 8-K summary
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Issuer:     Synchrony Financial (SYF)
CIK:        0001601712
Form:       8-K
Filed at:   2026-09-11T21:35:58+00:00
Accession:  0001601712-26-000037
Event type: other_material
Sentiment:  neutral
Materiality: 0.35
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1601712/000160171226000037/0001601712-26-000037-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1601712/000160171226000037/syf-20260914.htm
  HTML page:      https://secwatch.observer/filing/0001601712-26-000037

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer