SYF Synchrony Financial
Price Chart
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.
Actionable Insight
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.
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
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 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
|
Jun 3, 2026
13d ago
|
424B5
| $25.84 $25.68 | ▼ −0.62% | ▲ +1.93% | $75.29 (+191.37%) |
|
Jun 2, 2026
14d ago
|
424B5
| $26.01 $25.66 | ▼ −1.35% | ▲ +1.62% | $75.29 (+189.47%) |
|
May 1, 2026
6w ago
|
144
| $25.80 $26.04 | ▲ +0.91% | ▼ −1.43% | $75.29 (+191.77%) |
|
May 1, 2026
6w ago
|
Insider Cluster
| $75.12 $70.84 | ▼ −5.70% | ▼ −6.83% | $75.29 (+0.23%) |
|
Apr 21, 2026
8w ago
|
8-K
| $25.65 $26.26 | ▲ +2.39% | ▲ +1.31% | $75.29 (+193.56%) |
|
Apr 21, 2026
8w ago
|
8-K
| $25.65 $26.26 | ▲ +2.39% | ▲ +1.31% | $75.29 (+193.56%) |
|
Mar 10, 2026
14w ago
|
8-K
| $65.43 $65.12 | ▲ +0.47% | ▼ −0.43% | $75.29 (−15.07%) |
|
Mar 2, 2026
15w ago
|
Insider Cluster
| $68.61 $66.94 | ▲ +2.43% | ▲ +1.23% | $75.29 (−9.74%) |
|
Feb 28, 2026
15w ago
|
Institutional Cluster
| $68.61 $66.94 | ▼ −2.43% | ▼ −1.23% | $75.29 (+9.74%) |
|
Feb 25, 2026
15w ago
|
8-K
| $73.98 $68.93 | ▼ −6.83% | ▼ −5.70% | $75.29 (+1.77%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Try SecBot Free Coming soon: SecBot Pro with alerts, watchlists, and API access