Recent Updates — SYF-PA

Synchrony Financial filed an 8-K on August 17, 2026, furnishing monthly charge-off and delinquency statistics for the thirteen months ended July 31, 2026. Period-end loan receivables stood at $102.6 billion as of July 31, 2026. The net charge-off rate was 4.7% in July, down from 5.3% in June and 5.8% in May and April. The 30+ delinquency rate remained stable at 4.2% for the third consecutive month. This operational data provides insight into credit quality trends but is routine periodic disclosure. Synchrony Financial operates in the consumer financial services industry, providing credit products and payment solutions.

Synchrony Financial reported second quarter 2026 net earnings of $885 million, or $2.59 per diluted share, a decrease from $967 million or $2.50 per diluted share in the second quarter 2025. Net interest income rose 2% to $4.6 billion, while the net interest margin increased 30 basis points to 15.08%. The company returned $950 million to shareholders through $850 million in share repurchases and $100 million in common stock dividends. Loan receivables grew 2% to $102.2 billion, and purchase volume increased 8% to $49.8 billion. Synchrony Financial is a consumer financing company providing credit and banking products.

Synchrony Financial furnished monthly charge-off and delinquency statistics for the thirteen months ending June 30, 2026. As of June 30, 2026, period-end loan receivables totaled $102.2 billion. The 30+ delinquency rate was 4.2% and the adjusted net charge-off rate was 5.2%. The company intends to continue providing these statistics monthly, with quarterly updates provided alongside financial results. Synchrony Financial is a consumer financial services company providing credit products.