---
schema_version: "secwatch.filing_event.v1"
accession: "0001601712-26-000041"
form_type: "8-K"
ticker: "SYF"
cik: "0001601712"
company_name: "Synchrony Financial"
filed_at: "2026-10-20T10:03:07+00:00"
generated_at: "2026-10-20T10:05:04.877397+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.4
calibrated_materiality_score: 0.4
confidence: "high"
source: SEC EDGAR
---

# Synchrony September net charge-off rate falls to 4.7% from 5.3% YoY; delinquency 4.3%

## Summary
- Period-end loan receivables rose to $103.3B at Sep 30, 2026 from $100.2B a year earlier; average receivables were $102.7B vs $100.1B.
- 30+ day delinquency rate was 4.3% at Sep 30, 2026, versus 4.4% at Sep 30, 2025 and 4.2% at Aug 31, 2026.
- Net charge-off rate was 4.7% in Sep 2026, down from 5.3% in Sep 2025; adjusted net charge-off rate was 4.6% vs 5.1%.
- Recovery adjustment was -0.1% in Sep 2026; Synchrony notes charge-offs can vary with 25-30 cycle dates per month.

## SEC filing metadata
- accession: 0001601712-26-000041
- form_type: 8-K
- ticker: SYF
- cik: 0001601712
- company_name: Synchrony Financial
- filed_at: 2026-10-20T10:03:07+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.4
- calibrated_materiality_score: 0.4
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000041/0001601712-26-000041-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1601712/000160171226000041/syf-20261020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001601712-26-000041
- JSON: https://secwatch.observer/filing/0001601712-26-000041.json
- Plain text: https://secwatch.observer/filing/0001601712-26-000041.txt

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