Synchrony Financial filed a Form 8-K with the U.S. Securities and Exchange Commission on November 10, 2026, furnishing monthly charge-off and delinquency statistics covering the thirteen months ended October 31, 2026.

Key Highlights

  • Filing date: November 10, 2026, signed by Executive Vice President and Chief Risk and Legal Officer Jonathan Mothner.
  • Data period: Monthly charge-off and delinquency statistics as of and for each of the thirteen months ended October 31, 2026, furnished as Exhibit 99.1.
  • Disclosure basis: The information is furnished under Item 7.01 (Regulation FD) and is explicitly noted as not "filed" for purposes of Section 18 of the Securities Exchange Act of 1934.
  • Ongoing practice: According to the filing, the company intends to continue furnishing these statistics on a monthly basis, with the last month of each calendar quarter released alongside the company's quarterly financial results announcement.
  • Securities listed: Common stock (NYSE:SYF), Depositary Shares representing 5.625% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A (SYFPrA), and Depositary Shares representing 8.250% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B (SYFPrB), all registered on the New York Stock Exchange.

Synchrony Financial Furnishes Thirteen-Month Charge-Off and Delinquency Statistics Through October 2026

Synchrony Financial (NYSE:SYF), headquartered at 777 Long Ridge Road, Stamford, Connecticut, submitted a current report on November 10, 2026, disclosing monthly charge-off and delinquency statistics for the period ending October 31, 2026. The data, spanning thirteen consecutive months, was furnished as Exhibit 99.1 and was submitted under Item 7.01 of Form 8-K as a Regulation FD disclosure.

According to the filing, the company disclosed that the information "shall not be deemed to be 'filed' for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing" under the Securities Act of 1933 or the Securities Exchange Act of 1934, unless expressly stated by specific reference. The filing did not include the underlying statistical tables within the 8-K body itself; those figures are contained solely in the attached Exhibit 99.1.

The company also noted in the filing that it intends to continue releasing these monthly statistics on a recurring schedule, with the caveat that statistics for the final month of each calendar quarter will be released at the same time as the company's quarterly financial results. The report was signed by Jonathan Mothner, identified in the filing as Executive Vice President, Chief Risk and Legal Officer.

What Was Disclosed

Synchrony Financial furnished, under Regulation FD, monthly charge-off and delinquency statistics covering thirteen months ended October 31, 2026, as Exhibit 99.1 to a Form 8-K filed November 10, 2026. The data is not deemed "filed" under the Exchange Act.