Synchrony Financial's trust portfolio as of October 31, 2025, includes total transferred receivables of $10,258,771,868, with 8,918,135 accounts designated.
The average total receivable balance for accounts in the trust portfolio is $1,150, with an average credit limit of $6,259.
The trust portfolio shows an average account age of approximately 102 months and a balance reduction rate of 1.79% due to returns and fraudulent charges.
Total Receivables
$10,258,771,868 total transferred receivables as of October 31, 2025.
Account Balance
Average account balance in the trust portfolio: $1,150.
Credit Limit
Average credit limit for accounts in the trust portfolio: $6,259.
Age of Accounts
Average age of accounts in the trust portfolio: 102 months.
Reduction Rate
1.79% balance reduction rate due to returns and fraud as of October 31, 2025.
- The trust portfolio includes a diverse range of program partners like Sam's Club, TJX, Amazon, Lowe's, PayPal, and more, each contributing to the total receivables outstanding.
- Accounts in the trust portfolio show varying balance ranges, credit limits, and account age distributions, indicating a broad customer base and credit profile.
- Geographically, the trust portfolio has exposure to states like Texas, California, Florida, New York, and Pennsylvania, with potential economic impacts on repayment trends.
Synchrony Financial's October 31, 2025 trust portfolio analysis reveals a robust and diverse asset base with stable credit characteristics and geographic spread. Monitoring account balances, credit limits, and regional delinquency trends will be vital for ongoing portfolio management.