Synchrony Financial provided monthly charge-off and delinquency statistics for the thirteen months leading up to August 31, 2025.
The report includes data on period-end loan receivables, 30+ delinquency rate, net charge-off rate, recovery adjustment, and adjusted net charge-off rate.
The average loan receivables, including those held for sale, were detailed for each month in the reporting period.
Period-End Loan Receivables
The period-end loan receivables fluctuated slightly, ranging from $99.5 billion to $104.7 billion over the thirteen-month period.
30+ Delinquency Rate
The 30+ delinquency rate remained relatively stable around 4.2% to 4.9% during the reporting period.
Adjusted Net Charge-Off Rate
The adjusted net charge-off rate ranged from 5.1% to 6.8%, showing variations in the net charge-off performance.
- The data suggests a consistent delinquency trend with slight fluctuations in the charge-off rates, providing insights into Synchrony Financial's asset quality and risk management practices.
- Investors can use these statistics to assess the credit quality of Synchrony Financial's loan portfolio and potential risks associated with credit deterioration.
The monthly charge-off and delinquency statistics indicate Synchrony Financial's proactive monitoring of credit quality and risk exposure, maintaining stability in delinquency rates while managing net charge-offs effectively.