Synchrony Financial disclosed in its monthly statistics that the 30+ delinquency rate as of November 30, 2025 was 4.5%, and as of November 30, 2024 was 4.9%.

1. 01

   Synchrony Financial disclosed in its monthly statistics that the 30+ delinquency rate as of November 30, 2025 was 4.5%, and as of November 30, 2024 was 4.9%.

2. 02

   The company disclosed that the net charge-off rate for the month ended November 30, 2025 was 5.6% and the adjusted net charge-off rate was 5.4%. For the month ended November 30, 2024, both rates were 6.2%.

3. 03

   Synchrony Financial disclosed that period-end loan receivables as of November 30, 2025 were $101.7 billion and average loan receivables, including held for sale, were $100.3 billion.

4. 04

   The company said 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. The company explained that the number of charge-off cycle dates varies by month, and as a result, the amount of charged-off loan receivables can vary between monthly periods with no corresponding change in the performance of the portfolio.

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Original filing

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