Monitor the next quarterly earnings release for full Q3 2026 results and management commentary on credit trends. The monthly data shows a stabilizing-to-improving credit cycle, but the slight delinquency uptick in September warrants watching.
Price Chart
Executive Summary
Synchrony Financial furnished its monthly charge-off and delinquency statistics for the thirteen months ended September 30, 2026. The September 2026 adjusted net charge-off rate improved to 4.6% from 4.9% in August and 5.1% a year ago, while the 30+ day delinquency rate ticked up to 4.3% from 4.2% in August and 4.4% a year ago. This is a routine monthly data update with no earnings or guidance content.
Key Facts
- Period-end loan receivables were $103.3 billion as of September 30, 2026, up from $100.2 billion a year ago.
- Adjusted net charge-off rate for September 2026 was 4.6%, down from 4.9% in August 2026 and 5.1% in September 2025.
- 30+ day delinquency rate was 4.3% as of September 30, 2026, up from 4.2% in August 2026 and 4.4% a year ago.
- Net charge-off rate (GAAP) for September 2026 was 4.7%, down from 4.9% in August 2026 and 5.3% in September 2025.
Financial Impact
Modest improvement in credit quality metrics — adjusted net charge-off rate down 50 bps YoY to 4.6%, while 30+ delinquency rate slightly improved YoY to 4.3% from 4.4%.
Risk Factors
- Delinquency rate ticked up sequentially from 4.2% to 4.3%, which could signal a plateau in credit improvement.
- Charge-off rates remain elevated relative to pre-pandemic levels, and any macro deterioration could reverse recent gains.
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001601712-26-000041 |
| Document: syf-20261020.htm | 0001601712-26-000041 |
| Document: 0001601712-26-000041-index-headers.html | 0001601712-26-000041 |
| Document: 0001601712-26-000041-index.html | 0001601712-26-000041 |
| Document: 0001601712-26-000041.txt | 0001601712-26-000041 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 7d ago | 8-K | $73.36 $74.97 | ▲ +2.19% | ▲ +2.12% | $74.97 (+2.19%) |
Oct 20, 2026 7d ago | 8-K | $73.36 $74.97 | ▼ −2.19% | ▼ −2.12% | $74.97 (−2.19%) |
Oct 20, 2026 7d ago | Press Release | $73.36 $74.97 | ▲ +2.19% | ▲ +2.12% | $74.97 (+2.19%) |
Oct 19, 2026 8d ago | Institutional Cluster | $74.24 $74.83 | ▲ +0.79% | ▲ +0.94% | $74.97 (+0.98%) |
Oct 14, 2026 14d ago | Court Ruling | $74.04 $75.09 | ▲ +1.42% | ▲ +2.43% | $74.97 (+1.26%) |
Aug 17, 2026 10w ago | Press Release | $80.75 $80.02 | ▼ −0.90% | ▲ +0.29% | $74.97 (−7.16%) |
Aug 5, 2026 12w ago | Court Ruling | $78.67 $80.08 | ▲ +1.79% | ▲ +0.58% | $74.97 (−4.70%) |
Aug 4, 2026 12w ago | Insider Cluster | $79.25 $79.41 | ▲ +0.20% | ▼ −0.15% | $74.97 (−5.40%) |
Aug 3, 2026 12w ago | 144 | $77.84 $78.19 | ▲ +0.45% | ▼ −1.58% | $74.97 (−3.69%) |
Jul 28, 2026 13w ago | 424B5 | $77.12 $77.84 | ▲ +0.93% | ▼ −1.34% | $74.97 (−2.79%) |
US Market Status
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