Synchrony Financial's trust portfolio as of October 31, 2025, shows total transferred receivables of $10,258,771,868.
The average credit limit of accounts in the trust portfolio is approximately $6,259 with an average total receivable balance of $1,150.
Balance reductions granted for reasons like merchandise refunds and fraudulent charges impact the trust portfolio.
Balance Reductions Impact
12-month average monthly balance reduction rate for accounts in the trust portfolio was 1.79% due to returns and fraud.
Portfolio Composition
Total number of accounts in the trust portfolio is 8,918,135 with principal receivables of $9,821,305,969.
Credit Limit Insights
Percentage of total receivable balance to total credit limit for trust portfolio accounts is 18.4%.
- The trust portfolio composition by program partners includes major retailers like Sam's Club, TJX, Amazon, and more.
- Billing addresses reveal concentrations in Texas, California, Florida, New York, and Pennsylvania with potential economic impact on payment timeliness.
Synchrony Financial's trust portfolio data provides insights into account balances, credit limits, and potential economic risks in key states.