Synchrony Financial Reports Improved Credit Metrics

By Chris Stiles • Tuesday, January 27 15:16 • Permanent Link

Synchrony Financial has released its monthly charge-off and delinquency statistics for the thirteen months ended December 31, 2025. Here are the key figures from the report:

Period-end loan receivables:
December 31, 2025: $103.8 billion
December 31, 2024: $104.7 billion
Average loan receivables, including held for sale:
December 31, 2025: $102.8 billion
December 31, 2024: $103.9 billion
30+ delinquency rate:
December 31, 2025: 4.5%
December 31, 2024: 4.7%
Net charge-off rate:
December 31, 2025: 5.5%
December 31, 2024: 6.9%
Adjusted net charge-off rate:
December 31, 2025: 5.4%
December 31, 2024: 6.7%

These figures indicate a decrease in period-end loan receivables and average loan receivables compared to the same period in the previous year. Additionally, there has been an improvement in both the 30+ delinquency rate and the net charge-off rate, as well as the adjusted net charge-off rate, demonstrating improved performance in these metrics compared to the prior year. The market has reacted to these announcements by moving the company's shares 3.21% to a price of $80.19. For the full picture, make sure to review Synchrony Financial's 8-K report.

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