Synchrony Financial 8-K

What Happened

• Synchrony Financial (SYF) filed a Current Report on Form 8-K on January 27, 2026 (Item 7.01) to furnish its Monthly Charge-Off and Delinquency Statistics as of and for each of the thirteen months ended December 31, 2025. The statistics are provided as Exhibit 99.1 to the filing. The report was signed by Jonathan Mothner, Executive VP, Chief Risk and Legal Officer.

Key Details

• Filing date: January 27, 2026 (Form 8-K, Item 7.01 – Regulation FD disclosure).
• Data provided: Monthly charge-off and delinquency statistics covering the 13 months ended December 31, 2025 (Exhibit 99.1).
• Ongoing cadence: Synchrony intends to continue furnishing these statistics monthly; the statistic for the last month of each calendar quarter will be furnished contemporaneously with the company’s quarterly financial results.
• Administrative: Exhibits furnished under Item 9.01 include Exhibit 99.1 (the statistics) and the cover page in Inline XBRL.

Why It Matters

• These monthly charge-off and delinquency metrics give investors timely, recurring visibility into Synchrony’s credit performance and potential credit losses between quarterly earnings releases. Charge-offs and delinquency trends can be leading indicators of changes in credit quality that may affect provisions, net charge-offs, and ultimately earnings. The company’s commitment to a regular monthly cadence — with quarter-end data aligned to quarterly financial results — increases transparency for monitoring credit trends.