Synchrony Financial said it furnished monthly charge-off and delinquency statistics for each of 13 months ended September 30, 2025 as Exhibit 99.1 pursuant to Item 7.01.

1. 01

   Synchrony Financial said it furnished monthly charge-off and delinquency statistics for each of 13 months ended September 30, 2025 as Exhibit 99.1 pursuant to Item 7.01.

2. 02

   The company disclosed that period-end loan receivables as of September 30, 2025 were $100.2 billion and the 30+ delinquency rate was 4.4%. As of September 30, 2024, they were $102.2 billion and 4.8%, respectively.

3. 03

   Synchrony Financial disclosed that the net charge-off rate for September 2025 was 5.3% and the adjusted net charge-off rate reflecting the recovery adjustment was 5.1%. For September 2024, they were 6.4% and 6.2%, respectively.

4. 04

   The company explained that the number of charge-off cycle dates varies by month, so the amount of charged-off loan receivables can vary between monthly periods with no corresponding change in portfolio performance. It added that it intends to continue furnishing these statistics on a monthly basis, with statistics for the last month of each calendar quarter furnished contemporaneously with the company's announcement of its financial results for such quarter.

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