Synchrony Financial Reports Improved Credit Metrics

By Ahmed Jameison • Wednesday, October 15 10:22 • Permanent Link

Synchrony Financial has reported its monthly charge-off and delinquency statistics for the thirteen months ended September 30, 2025. Here's a summary of the key metrics and how they have changed over the past thirteen months:

Period-end loan receivables: September 30, 2025: $100.2 billion September 30, 2024: $102.2 billion

30+ delinquency rate: September 30, 2025: 4.4% September 30, 2024: 4.8%

Net charge-off rate: September 30, 2025: 5.3% September 30, 2024: 6.4%

Adjusted net charge-off rate (non-GAAP): September 30, 2025: 5.1% September 30, 2024: 6.2%

These figures indicate a decrease in period-end loan receivables and improvements in the 30+ delinquency rate, net charge-off rate, and adjusted net charge-off rate compared to the same period last year. As a result of these announcements, the company's shares have moved 3.85% on the market, and are now trading at a price of $72.84. Check out the company's full 8-K submission here.

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