The trust portfolio of Synchrony Financial experienced balance reductions as of October 31, 2025, with a 12-month average monthly balance reduction rate of 1.79%.
Key information includes total transferred receivables of $10,258,771,868, principal receivables of $9,821,305,969, finance charge receivables of $437,465,899, and a total of 8,918,135 accounts designated to the trust portfolio.
The average total receivable balance per account was approximately $1,150 with an average credit limit of $6,259, showing a percentage of 18.4% of total receivable balance to credit limit and an average account age of 102 months.
Monthly Balance Reduction Rate
12-month average monthly balance reduction rate of 1.79% reflecting returns and fraud.
Total Transferred Receivables
$10,258,771,868 total transferred receivables in the trust portfolio.
Average Account Balance
Average total receivable balance per account was approximately $1,150.
Account Age
Average age of accounts designated for the trust portfolio was approximately 102 months.
- The trust portfolio composition by program partner and various criteria provides insights into the distribution of receivables and accounts among different partners.
- Geographical data highlights potential risks associated with cardholders in specific states like Texas, California, Florida, New York, and Pennsylvania.
The analysis of Synchrony Financial's trust portfolio balance reductions gives valuable insights into the health and management of its accounts, indicating a steady balance reduction rate and distribution across various factors.