Monitor the next quarterly earnings report for confirmation of these credit trends, as the elevated charge-off rate could pressure net interest margin and profitability. Compare to peer banks' credit metrics when available.
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Executive Summary
Synchrony Financial disclosed its monthly charge-off and delinquency statistics for the thirteen months ended March 31, 2026, showing stable delinquency trends but elevated net charge-off rates compared to prior months. The 30+ day delinquency rate held steady at 4.5% in March 2026, while the net charge-off rate increased to 5.8%, up from 4.7% in January 2026.
Key Facts
- Monthly charge-off and delinquency statistics disclosed for the period ending March 31, 2026
- 30+ day delinquency rate was 4.5% in March 2026, unchanged from December 2025 and March 2025
- Net charge-off rate increased to 5.8% in March 2026, up from 4.7% in January 2026
- Period-end loan receivables were $100.1 billion as of March 31, 2026
- This is a routine monthly disclosure that the company intends to furnish on an ongoing basis
Financial Impact
Net charge-off rate increased to 5.8% in March 2026 from 4.7% in January 2026, while delinquency rates remained stable at 4.5%
Risk Factors
- Rising net charge-off rates could indicate weakening credit quality and lead to higher loan loss provisions
- Stable delinquency rates may not fully capture emerging credit risk if economic conditions deteriorate
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001601712-26-000014 |
| Document: syf-20260421.htm | 0001601712-26-000014 |
| Document: 0001601712-26-000014-index-headers.html | 0001601712-26-000014 |
| Document: 0001601712-26-000014-index.html | 0001601712-26-000014 |
| Document: 0001601712-26-000014.txt | 0001601712-26-000014 |
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|---|---|---|---|---|---|
Aug 17, 2026 6w ago | Press Release | $80.75 $76.06 | ▼ −5.81% | ▼ −3.83% | $72.28 (−10.49%) |
Aug 5, 2026 8w ago | Court Ruling | $79.25 $78.39 | ▼ −1.09% | ▼ −0.48% | $72.28 (−8.79%) |
Aug 4, 2026 8w ago | Insider Cluster | $79.25 $78.39 | ▼ −1.09% | ▼ −0.48% | $72.28 (−8.79%) |
Aug 3, 2026 8w ago | 144 | $77.84 $77.08 | ▼ −0.98% | ▼ −2.21% | $72.28 (−7.14%) |
Jul 28, 2026 9w ago | 424B5 | $77.12 $80.77 | ▲ +4.73% | ▲ +1.35% | $72.28 (−6.28%) |
Jul 21, 2026 10w ago | 8-K | $72.21 $80.58 | ▲ +11.59% | ▲ +9.03% | $72.28 (+0.10%) |
Jul 21, 2026 10w ago | 8-K | $72.21 $80.58 | ▲ +11.59% | ▲ +9.03% | $72.28 (+0.10%) |
Jul 21, 2026 10w ago | Press Release | $72.21 $80.58 | ▲ +11.59% | ▲ +9.03% | $72.28 (+0.10%) |
Jun 29, 2026 13w ago | 8-K | $76.05 $75.31 | ▼ −0.97% | ▲ +0.06% | $72.28 (−4.96%) |
Jun 3, 2026 17w ago | 424B5 | $25.84 $25.91 | ▲ +0.27% | ▲ +1.64% | $72.28 (+179.72%) |
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