Synchrony Financial disclosed key information regarding account balance reductions and trust portfolio as of October 31, 2025.
The trust portfolio includes total transferred receivables of $10,258,771,868 with 8,918,135 accounts designated.
Average credit limit for accounts in the trust portfolio is approximately $6,259 with an average total receivable balance of $1,150.
The percentage of the aggregate total receivable balance to the aggregate total credit limit is notable at 18.4%.
The average age of accounts in the trust portfolio is around 102 months.
Balance Reduction Rate
As of October 31, 2025, the 12-month average monthly balance reduction rate for the trust portfolio accounts was 1.79%.
Program Partners
The trust portfolio includes partnerships with major retailers like Sam's Club, TJX, Amazon, Lowe's, PayPal, and more.
Trust Portfolio Composition
The composition includes detailed breakdowns by account balance range, credit limit range, account age range, billing address, and delinquency status.
- The disclosure provides insights into the robustness and diversification of Synchrony Financial's trust portfolio.
- Understanding the balance reduction rates and account characteristics helps assess the credit risk management strategies of the company.
Synchrony Financial's transparent disclosure regarding balance reductions and trust portfolio composition showcases a strong and well-managed financial position.