Monitor next quarterly earnings (expected with August 2026 data) for full credit performance and any guidance changes. No immediate trade signal from this routine monthly update.
Price Chart
Executive Summary
Synchrony Financial filed its monthly charge-off and delinquency statistics for June 2026, showing stable credit trends. Period-end loan receivables grew to $102.2B, the 30+ delinquency rate held at 4.2% year-over-year, and the adjusted net charge-off rate improved to 5.2% from 5.7% a year ago. This is a routine monthly disclosure with no material new information.
Key Facts
- Period-end loan receivables: $102.2B as of June 30, 2026, up from $99.8B a year ago
- 30+ delinquency rate: 4.2% as of June 30, 2026, unchanged from June 30, 2025
- Net charge-off rate: 5.3% for June 2026, down from 5.8% in June 2025
- Adjusted net charge-off rate: 5.2% for June 2026, down from 5.7% a year ago
Financial Impact
No material financial impact; credit metrics show modest year-over-year improvement in charge-offs with stable delinquency
Risk Factors
- Consumer credit deterioration could accelerate if economic conditions worsen
- Charge-off cycle date variability may cause month-to-month noise in reported rates
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001601712-26-000031 |
| Document: syf-20260721.htm | 0001601712-26-000031 |
| Document: 0001601712-26-000031-index-headers.html | 0001601712-26-000031 |
| Document: 0001601712-26-000031-index.html | 0001601712-26-000031 |
| Document: 0001601712-26-000031.txt | 0001601712-26-000031 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
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%) |
US Market Status
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