Highest-materiality recent filing
Synchrony Financial April 2026 credit metrics: net charge-off rate falls to 5.5% from 6.3% YoY
Period-end loan receivables of $100.9B, up from $99.5B in April 2025.
Synchrony Q1 EPS $2.27 beats $1.89 YoY; announces $6.5B buyback, 13% dividend hike
Net earnings $805M ($2.27 diluted EPS) vs $757M ($1.89) in Q1 2025.
Synchrony March credit stats: net charge-off 5.8%, 30+ delinquency 4.5%
Period-end loan receivables $100.1B as of March 31, 2026, up from $99.6B a year ago.
Synchrony Feb 2026 charge-off rate 5.8%, down from 6.8% YoY; delinquency steady at 4.7%
Net charge-off rate for Feb 2026 was 5.8% (annualized), vs 6.8% in Feb 2025 but up from 4.7% in Jan 2026.
Synchrony Financial issues $750M of 4.947% Fixed-to-Floating Senior Notes due 2032
$750 million aggregate principal amount of 4.947% Fixed-to-Floating Rate Senior Notes due 2032.
Synchrony January 2026: 30+ delinquency 4.6%, adjusted net charge-off 4.7%
Period-end loan receivables $101.7B, down from $103.8B in December 2025.
Synchrony Q4 net earnings $751M ($2.04 EPS); credit quality improves, capital returns $1.1B
Net earnings down 3% YoY to $751M; diluted EPS up 6.8% to $2.04 on lower share count.
Synchrony Dec 2025: loans $103.8B, 30+ delinquency 4.5%, adjusted net charge-off 5.4%
Period-end loan receivables $103.8B at Dec 31, 2025, up from $101.7B in Nov 2025.
Synchrony Nov 2025 credit stats: 30+ delinquency 4.5% (flat MoM, -40bp YoY), net charge-off 5.6%
Period-end loan receivables $101.7B, up from $100.4B in Oct and down from $102.9B a year ago.
Synchrony Oct credit stats: 30+ delinquency 4.5%, adj. NCO 5.3%
Period-end loans $100.4B vs $100.2B in Sep; 30+ delinquency 4.5% (Sep: 4.4%, Oct 2024: 4.9%).
Synchrony Q3 net earnings $1.1B ($2.86 EPS) vs $789M; purchase volume up 2%, credit metrics improve
Net earnings $1.077B ($2.86 diluted EPS), up 37% YoY from $789M ($1.94).
Synchrony Sep 2025 net charge-off rate 5.3%, 30+ delinquency 4.4%
Period-end loan receivables $100.2B, down from $102.2B in Sep 2024.
Synchrony appoints former CEO Deborah Ellinger to Board, effective Oct 1, 2025
Elected to Board; will serve on Risk and Technology Committees.
Synchrony Aug 2025 credit: 30+ delinquencies 4.3%, net charge-off 5.1% YoY improvement
Period-end loan receivables $100.2B, down from $102.5B in Aug 2024.
Synchrony reports July 2025 credit metrics: 30+ delinquency 4.2%, net charge-off rate 5.1%
Period-end loan receivables of $100.3B, down from $104.7B in Dec 2024; held for sale $0.2B.
Synchrony to acquire Lowe's commercial co-branded credit card portfolio ($0.8B receivables)
Acquisition of ~$0.8B in loan receivables from Lowe's commercial co-branded card portfolio.
Synchrony issues $1B in senior notes: $500M at 5.019% due 2029, $500M at 6.000% due 2036
Issued $500M of 5.019% Fixed-to-Floating Rate Senior Notes due 2029.
Synchrony Q2 net earnings $967M ($2.50 EPS) up 50% YoY; NIM expands, credit trends improve
Diluted EPS $2.50 vs $1.55 YoY; net earnings $967M up 50.4%.
Synchrony Financial June credit metrics improve; delinquencies at 4.2%, net charge-offs at 5.8%
Period-end loan receivables $99.8B at June 30, 2025, down 2.4% YoY from $102.3B.
Synchrony Financial stockholders elect all 11 directors at 2025 annual meeting
All 11 director nominees elected with votes for ranging from ~303M to ~320M.
Synchrony Financial May 2025 credit stats: net charge-off rate improves to 5.1% from 6.5% YoY
Period-end loan receivables $99.9B vs $102.4B a year earlier, down $2.5B.
Synchrony to exclusively issue OnePay credit cards for Walmart; launch fall 2025
Strategic partnership with OnePay (fintech backed by Walmart and Ribbit Capital); Synchrony is exclusive issuer of new Walmart credit card program.
Synchrony reports Apr 2025 30+ delinquency rate 4.3%, net charge-off rate 6.3%
Period-end loan receivables $99.5B, down from $101.6B year-over-year.
Synchrony Q1 net earnings $757M ($1.89 EPS); board raises dividend 20%, authorizes $2.5B buyback
Net earnings $757M ($1.89 diluted EPS) vs $1.3B ($3.14) last year; adjusted EPS up 54% vs $1.18 prior (ex-Pets Best).
Synchrony March 2025 credit metrics: 30+ delinquency 4.5%, net charge-off 6.2%
Period-end loan receivables $99.6B at March 31, 2025, down from $100.1B in Feb 2025.
Synchrony Financial Feb 2025 charge-off rate rises to 6.8%; delinquency steady at 4.7%
Period-end loan receivables $100.1B, down from $102.2B in Jan 2025 and $100.0B in Feb 2024.
Synchrony issues $800M of 5.450% Fixed-to-Floating Senior Notes due 2031
Issued $800M aggregate principal of 5.450% Fixed-to-Floating Rate Senior Notes due 2031.
Synchrony reports Jan 2025 charge-off rate 6.2%, delinquency rate 4.7%
Period-end loan receivables $102.2B, up from $101.3B a year earlier.
Synchrony Q4 earnings surge 76% to $774M; EPS $1.91 vs $1.03 YoY
Diluted EPS $1.91, up 85% from $1.03; net earnings $774M vs $440M.
Synchrony Dec net charge-off rate rises to 6.9% (adj. 6.7%) from 5.7% YoY; delinquency flat 4.7%
Period-end loan receivables $104.7B at Dec 31, 2024, up from $103.0B a year earlier.
Synchrony Nov 2024 credit metrics: 30+ delinquencies at 4.9%, net charge-offs at 6.2%, both up YoY
Period-end loan receivables $102.9B; 30+ delinquency rate 4.9% vs 4.7% a year ago.
Synchrony Financial Oct 2024 credit stats: 30+ delinquency rate 4.9%, net charge-off rate 6.2%
Period-end loan receivables $102.3B; average loan receivables $101.7B for the month.
Synchrony Q3 net earnings $789M, +26% YoY; EPS $1.94 vs $1.48
Diluted EPS of $1.94, up 31% YoY from $1.48; net earnings $789M (+26%).
30+ delinquency rate reached 4.8% at Sep 30, 2024, up from 4.4% at Sep 30, 2023.
Synchrony appoints Dan Colao to Board of Directors, effective Oct 1, 2024
Colao, former GE Capital CFO, will serve on Risk and Technology Committees.
Synchrony August charge-off rate 5.6% (4.6% YoY); 30+ delinquency 4.6% (4.1% YoY)
Period-end loan receivables $102.5B at Aug 31, 2024, up from $97.3B a year earlier.
Synchrony Financial July 2024 credit metrics: 30+ delinquency 4.6%, net charge-off 6.2%, both up YoY
Period-end loan receivables $102.7B at July 31, 2024, up from $96.3B a year earlier.
Synchrony Financial issues $750M of 5.935% Fixed-to-Floating Senior Notes due 2030
Issued $750M aggregate principal of 5.935% Fixed-to-Floating Rate Senior Notes due 2030.
Net earnings $643M, EPS $1.55 diluted, vs $569M and $1.32 in Q2 2023; net revenue up 12.7%.
Synchrony Financial June 2024 credit stats: charge-off 6.1%, delinquency 4.5%
30+ day delinquency rate 4.5% at June 30, 2024, up from 3.8% a year earlier.
Synchrony names Amy Tiliakos as CAO effective Aug 1; Melito retires July 2
Current CAO David P. Melito retires July 2, 2024; CFO Brian Wenzel serves as interim principal accounting officer through July 31.
Synchrony shareholders approve 2024 LTIP (27.5M shares) and officer exculpation charter amendment
Stockholders elected all 10 director nominees; vote tallies provided for each.
Synchrony Financial May 2024 credit stats: delinquency/charge-off rates rise YoY
Period-end loan receivables $102.4B as of May 31, 2024.
Synchrony reports April 2024 credit stats: 30+ delinquency 4.6%, net charge-off 6.7%, both up YoY
30+ delinquency rate 4.6% at Apr 30, 2024, up from 3.7% a year ago, reflecting continued moderation in payment rates.
Synchrony Q1 GAAP EPS $3.14, adj EPS $1.18; loan rec up 12%; net charge-offs 6.31%
GAAP net earnings $1.3B ($3.14 diluted EPS); adjusted net earnings $491M ($1.18) excl Pets Best gain.
Period-end loans at $101.7B as of Mar 31, 2024, up from $91.1B a year ago.
elected Mr. Daniel Colao as a director of the Company and appointed him to serve on the Risk and Technology Committees of the Board, effective October 1, 2024.
On June 28, 2024, the Company appointed Amy Tiliakos as Senior Vice President, Chief Accounting Officer and Controller, effective as of August 1, 2024.
Effective as of Mr. Melito’s retirement, Brian J. Wenzel, Sr., Executive Vice President and Chief Financial Officer, will serve as the Company’s interim principal accounting officer through July 31, 2024.
David P. Melito, Chief Accounting Officer and Controller of Synchrony Financial (the “Company”) will retire effective July 2, 2024.
Max materiality 0.85 · Median 0.57 · Most common event other_material