Synchrony Financial 8-K

What Happened

• On February 10, 2026, Synchrony Financial (SYF) filed a Form 8-K (Item 7.01, Regulation FD disclosure) to furnish Exhibit 99.1: Monthly Charge-Off and Delinquency Statistics as of and for each of the thirteen months ended January 31, 2026.
• The company said it will continue to provide these monthly statistics and will furnish the month-end statistics for the last month of each calendar quarter contemporaneously with its quarterly financial results. The report is signed by Jonathan Mothner, Executive Vice President, Chief Risk and Legal Officer.

Key Details

• Filing date: February 10, 2026 (Form 8-K, Item 7.01, Reg FD disclosure).
• Exhibit provided: 99.1 — Monthly Charge-off and Delinquency Statistics for each of the 13 months ended Jan 31, 2026.
• Ongoing cadence: monthly updates; quarter-end month furnished with the company’s quarterly financial results.
• Report signed by: Jonathan Mothner, EVP, Chief Risk and Legal Officer.

Why It Matters

• Charge-off and delinquency trends are direct indicators of consumer credit performance and potential loan loss expense, which can affect net income and credit costs reported in future earnings.
• Monthly disclosure increases transparency and gives investors more timely data to monitor credit quality between quarterly earnings releases.
• This filing is a disclosure of metrics (not an earnings release or change in executive management); investors should review the actual Exhibit 99.1 for the specific metric values and trends.