SYNCHRONY FINANCIAL provided monthly charge-off and delinquency statistics for the thirteen months ended November 30, 2025.
The report includes data on period-end loan receivables, 30+ delinquency rate, net charge-off rate, and adjusted net charge-off rate.
The company also explained the methodology and adjustments made in calculating the charge-off rates.
Period-End Loan Receivables
$101.7 billion as of November 30, 2025.
30+ Delinquency Rate
4.5% as of November 30, 2025.
Net Charge-Off Rate
5.6% as of November 30, 2025.
Adjusted Net Charge-Off Rate
5.4% as of November 30, 2025.
Recovery Adjustment
-0.2% for the period.
- The 30+ delinquency rate remained stable at 4.5% in November 2025.
- The net charge-off rate increased to 5.6% in November 2025 compared to previous months.
- The adjusted net charge-off rate reflects a slight decrease indicating some recovery adjustments.
- The company's focus on transparency in financial reporting is evident in the detailed explanations provided.
SYNCHRONY FINANCIAL's latest report showcases the trends in charge-off and delinquency rates, offering insight into the company's asset quality and risk management strategies.