Synchrony Financial released its monthly charge-off and delinquency statistics for the thirteen months ending July 31, 2025.
The data includes period-end loan receivables, 30+ delinquency rate, net charge-off rate, and more key financial indicators.
These statistics provide insights into the credit performance of Synchrony Financial's loan portfolio.
Period-End Loan Receivables
Stood at $100.3 billion as of July 31, 2025.
30+ Delinquency Rate
Remained stable at 4.2% over the past few months.
Net Charge-Off Rate
Experienced fluctuations, reaching 5.1% in July 2025.
Adjusted Net Charge-Off Rate
Saw a slight increase to 6.3% in July 2025.
- The stability of the 30+ delinquency rate indicates maintained borrower payment behavior.
- Fluctuations in the net charge-off rate highlight potential credit risk in certain periods.
- The adjusted net charge-off rate provides a more accurate picture of Synchrony Financial's credit losses over time.
Understanding the credit performance metrics is crucial for investors to assess Synchrony Financial's risk exposure and financial health.