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
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Jun 3, 2026
9d ago
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424B5
| $25.84 $25.76 | ▼ −0.31% | ▲ +2.29% | $73.36 (+183.90%) |
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Jun 2, 2026
10d ago
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424B5
| $26.01 $25.93 | ▼ −0.31% | ▲ +0.39% | $73.36 (+182.05%) |
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May 1, 2026
6w ago
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144
| $25.80 $25.79 | ▼ −0.04% | ▲ +0.30% | $73.36 (+184.29%) |
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May 1, 2026
6w ago
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Insider Cluster
| $75.12 $73.94 | ▼ −1.57% | ▼ −1.24% | $73.36 (−2.34%) |
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Apr 21, 2026
7w ago
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8-K
| $25.65 $26.28 | ▲ +2.47% | ▲ +1.45% | $73.36 (+186.03%) |
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Apr 21, 2026
7w ago
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8-K
| $25.65 $26.28 | ▲ +2.47% | ▲ +1.45% | $73.36 (+186.03%) |
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Mar 10, 2026
13w ago
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8-K
| $65.43 $64.99 | ▲ +0.67% | ▲ +0.57% | $73.36 (−12.12%) |
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Mar 2, 2026
14w ago
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Insider Cluster
| $68.61 $68.62 | ▼ −0.01% | ▼ −0.93% | $73.36 (−6.93%) |
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Feb 28, 2026
14w ago
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Institutional Cluster
| $68.61 $68.62 | ▲ +0.01% | ▲ +0.93% | $73.36 (+6.93%) |
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Feb 25, 2026
15w ago
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8-K
| $73.98 $69.04 | ▼ −6.68% | ▼ −6.22% | $73.36 (−0.84%) |
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