The company said period-end loan receivables were $103.3 billion as of September 30, 2026, compared with $100.2 billion on September 30, 2025.

8-KRegulation FD DisclosureFiled Oct 20, 2026Period of report Oct 20, 2026Summary published (UTC) Oct 20, 2026

Key points

AI summary

The company said period-end loan receivables were $103.3 billion as of September 30, 2026, compared with $100.2 billion on September 30, 2025.
The company said its 30+ delinquency rate was 4.3% as of September 30, 2026, compared with 4.4% on September 30, 2025. The rate is the share of loans that are over-30 days or more delinquent as a percentage of period-end loan receivables.
Synchrony Financial said its net charge-off rate was 4.7% and its adjusted net charge-off rate was 4.6% for September 2026, and 5.3% and 5.1%, respectively, for September 2025.
The company said it intends to continue furnishing these statistics monthly, and that statistics for the last month of each calendar quarter will be furnished at the same time as its announcement of quarterly financial results. It also explained that the number of different charge-off cycle dates varies by month, so the amount of charged-off loans can change between months without a corresponding change in portfolio performance.

Summary

AI-written

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

Loan receivables as of September 30, 2026

The company said period-end loan receivables were $103.3 billion as of September 30, 2026, compared with $100.2 billion on September 30, 2025.

Source · Based on the filing body and exhibits

30+ delinquency rate 4.3%

The company said its 30+ delinquency rate was 4.3% as of September 30, 2026, compared with 4.4% on September 30, 2025. The rate is the share of loans that are over-30 days or more delinquent as a percentage of period-end loan receivables.

Source · Based on the filing body and exhibits

Net and adjusted net charge-off rates

Synchrony Financial said its net charge-off rate was 4.7% and its adjusted net charge-off rate was 4.6% for September 2026, and 5.3% and 5.1%, respectively, for September 2025.

Source · Based on the filing body and exhibits

Monthly disclosure policy and charge-off cycle dates

The company said it intends to continue furnishing these statistics monthly, and that statistics for the last month of each calendar quarter will be furnished at the same time as its announcement of quarterly financial results. It also explained that the number of different charge-off cycle dates varies by month, so the amount of charged-off loans can change between months without a corresponding change in portfolio performance.

Source · Based on the filing body and exhibits

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

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

View the original filing on SEC EDGAR ↗

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