Synchrony Financial furnished monthly charge-off and delinquency statistics for 13 months ended July 31, 2025 pursuant to Item 7.01, as shown in Exhibit 99.1, and said it intends to continue furnishing these statistics on a monthly basis.

1. 01

   Synchrony Financial furnished monthly charge-off and delinquency statistics for 13 months ended July 31, 2025 pursuant to Item 7.01, as shown in Exhibit 99.1, and said it intends to continue furnishing these statistics on a monthly basis.

2. 02

   The company disclosed that the 30+ delinquency rate as of July 31, 2025 was 4.2%. As of July 31, 2024 it was 4.6%, and as of December 31, 2024 it was 4.7%.

3. 03

   Synchrony Financial disclosed that the net charge-off rate for July 2025 was 5.1% and the adjusted net charge-off rate was 5.1%. For June 2025 they were 5.8% and 5.7%, respectively.

4. 04

   The company disclosed that period-end loan receivables as of July 31, 2025 were $100.3 billion and loan receivables held for sale were $0.2 billion. Average loan receivables, including held for sale, for July 2025 were $99.7 billion.

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Original filing

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