Synchrony Financial Reports Improved Credit Quality Metrics for December 2025
SYF sits 89% above its 52-week low of $40.545 on elevated volume (2.4× avg).
Summary
Synchrony Financial disclosed its monthly credit statistics for December 2025, showing a year-over-year improvement in both delinquency and net charge-off rates.
Key Events · Earnings and Guidance · SYF
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Monthly Credit Statistics Released
Synchrony Financial furnished its monthly charge-off and delinquency statistics for the thirteen months ended December 31, 2025, via an 8-K filing under Regulation FD Disclosure.
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Delinquency Rate Improvement
The 30+ day delinquency rate for December 2025 was 4.5%, an improvement from 4.7% reported in December 2024, and stable compared to November 2025.
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Charge-Off Rate Decline
The net charge-off rate for December 2025 stood at 5.5%, a notable decrease from 6.9% in December 2024, and a slight improvement from 5.6% in November 2025.
Analysis · SYF · Finance
Synchrony Financial's latest monthly credit statistics reveal a positive trend in key performance indicators. Both the 30+ day delinquency rate and the net charge-off rate for December 2025 show improvement compared to December 2024, indicating better credit quality within its loan portfolio. This data provides investors with an early insight into the company's asset quality trends, which are crucial for a financial institution.
At the time of this filing, SYF was trading at $76.70 on NYSE in the Finance sector, with a market capitalization of approximately $27.9B. The 52-week trading range was $40.55 to $88.77. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.