Synchrony Financial Shows Decrease in Net Charge-Off Rate

By Ahmed Jameison • Friday, August 15 15:42 • Permanent Link

Synchrony Financial has released its monthly charge-off and delinquency statistics as of and for each of the thirteen months ended July 31, 2025. Here are the key numbers from the report:

Period-end loan receivables:
July 31, 2025: $100.3 billion
June 30, 2025: $99.8 billion
May 31, 2025: $99.9 billion
30+ delinquency rate:
July 31, 2025: 4.2%
June 30, 2025: 4.2%
May 31, 2025: 4.2%
Net charge-off rate:
July 31, 2025: 5.1%
June 30, 2025: 5.8%
May 31, 2025: 5.1%

These figures show fluctuations in both the period-end loan receivables and the delinquency and charge-off rates over the three-month period. Specifically, the period-end loan receivables increased from June to July, while the 30+ delinquency rate remained constant. However, the net charge-off rate decreased from June to July, showing a positive trend in managing charge-offs.

It's important to note that these statistics provide valuable insights into Synchrony Financial's performance and its ability to manage credit risk over the specified period. Today the company's shares have moved -1.59% to a price of $71.67. For the full picture, make sure to review Synchrony Financial's 8-K report.

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