Synchrony Financial's Delinquency and Charge-off Rates Rise

By Greg Peters • Wednesday, October 15 15:35 • Permanent Link

Synchrony Financial has released its monthly charge-off and delinquency statistics for the thirteen months ending on September 30, 2025. Here are some key metrics from the report:

Period-end loan receivables:
September 30, 2025: $100.2 billion
August 31, 2025: $100.2 billion
July 31, 2025: $100.3 billion
30+ delinquency rate:
September 30, 2025: 4.4%
August 31, 2025: 4.3%
July 31, 2025: 4.2%
Net charge-off rate:
September 30, 2025: 5.3%
August 31, 2025: 5.1%
July 31, 2025: 5.1%

It's notable that the period-end loan receivables remained relatively stable over the three months, hovering around $100 billion. However, the 30+ delinquency rate saw a slight increase from 4.2% in July 2025 to 4.4% in September 2025. Additionally, the net charge-off rate increased from 5.1% in July 2025 to 5.3% in September 2025.

These figures indicate a mixed performance in terms of delinquency and charge-offs, which may be of interest to investors and analysts tracking the financial health of Synchrony Financial. Today the company's shares have moved 3.85% to a price of $72.84. For the full picture, make sure to review Synchrony Financial's 8-K report.

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