Exhibit 99.1


SYNCHRONY FINANCIAL
MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS
AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED
(unaudited, $ in billions)

The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended November 30, 2025.


	Nov 30, 2025			Oct 31, 2025			Sep 30, 2025			Aug 31, 2025			Jul 31, 2025			Jun 30, 2025			May 31, 2025			Apr 30, 2025			Mar 31, 2025			Feb 28, 2025			Jan 31, 2025			Dec 31, 2024			Nov 30, 2024

Period-end loan receivables	$	101.7		$	100.4		$	100.2		$	100.2		$	100.3		$	99.8		$	99.9		$	99.5		$	99.6		$	100.1		$	102.2		$	104.7		$	102.9
Loan receivables held for sale	$	—		$	—		$	0.2		$	0.2		$	0.2		$	0.2		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Average loan receivables, including held for sale	$	100.3		$	99.8		$	100.1		$	99.9		$	99.7		$	99.5		$	99.2		$	99.1		$	99.3		$	101.0		$	102.8		$	103.9		$	101.8

30+ delinquency rate(1)	4.5		%	4.5		%	4.4		%	4.3		%	4.2		%	4.2		%	4.2		%	4.3		%	4.5		%	4.7		%	4.7		%	4.7		%	4.9		%

Net charge-off rate(1)(2)	5.6		%	5.0		%	5.3		%	5.1		%	5.1		%	5.8		%	5.1		%	6.3		%	6.2		%	6.8		%	6.2		%	6.9		%	6.2		%
Recovery adjustment(3)	(0.2)		%	0.3		%	(0.2)		%	0.2		%	—		%	(0.1)		%	0.1		%	—		%	—		%	—		%	—		%	(0.2)		%	—		%
Adjusted net charge-off rate(4)	5.4		%	5.3		%	5.1		%	5.3		%	5.1		%	5.7		%	5.2		%	6.3		%	6.2		%	6.8		%	6.2		%	6.7		%	6.2		%

(1) References to “30+ delinquency rate” are to over-30 day loan delinquencies as a percentage of period-end loan receivables. References to “net charge-off rate” are to net charge-offs (annualized) as a percentage of average loan receivables, including held for sale. Net charge-offs consist of uncollectible principal balances, net of recovered amounts. Uncollectible interest and fees receivables are written off as a reduction of interest and fees on loans.
(2) Charge-offs are executed on charge-off cycle dates which occur on various days during each calendar month. The number of different charge-off cycle dates in each month varies based on such factors as the calendar and the timing of billing cycles. As a result, the amount of charged-off loan receivables can vary between monthly periods with no corresponding change in the performance of the portfolio. The following table sets forth the number of different charge-off cycle dates for our consumer credit card loan receivables, which represent greater than 90% of total period end loan receivables at November 30, 2025, for the calendar months indicated.
	2024			2025
January	29			28
February	27			28
March	28			28
April	28			29
May	28			25
June	28			30
July	29			28
August	25			28
September	30			28
October	28			28
November	26			28
December	30			29
(3) Represents adjustment to allocate recoveries, including debt sales, evenly across the three calendar months of each respective quarterly reporting period. The adjustments for periods other than for the last month of each calendar quarter incorporate estimated recoveries for the applicable full quarterly reporting period. Such estimates are subject to change within each applicable quarter and may differ from actual quarterly results.
(4) Adjusted net charge-off rate represents adjusted net charge-offs as a percentage of average loan receivables, including held for sale. Adjusted net charge-offs are a non-GAAP financial measure that include the 'recovery adjustment' defined above. We believe the presentation of the adjusted net charge-off rate is useful to investors as it represents a monthly measure which is more indicative of both our quarterly and annual net charge-off rates.

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Synchrony Financial 8-K