Synchrony Financial said the 30+ delinquency rate as of January 31, 2026 was 4.6% and the net charge-off rate was 4.7%. In the prior month of December 31, 2025, they were 4.5% and 5.5%, respectively.

1. 01

   Synchrony Financial said the 30+ delinquency rate as of January 31, 2026 was 4.6% and the net charge-off rate was 4.7%. In the prior month of December 31, 2025, they were 4.5% and 5.5%, respectively.

2. 02

   The company said period-end loan receivables as of January 31, 2026 were $101.7 billion and average loan receivables, including held for sale, for that month were $102.1 billion. Period-end loan receivables as of December 31, 2025 were $103.8 billion.

3. 03

   Synchrony Financial 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, so the amount of charged-off loan receivables can vary between monthly periods with no corresponding change in portfolio performance.

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AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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