Business Context and Reporting Period
Company: Synchrony Financial
Filing Type: Form 8-K (Current Report)
Date of Report: March 10, 2026
Reporting Period: The filing covers monthly charge-off and delinquency statistics for the thirteen months ended February 28, 2026.
Key Financial Metrics
This filing does not contain consolidated financial statements, revenue, profit, cash flow, or debt figures. The report focuses exclusively on credit performance metrics:
- Charge-Off Statistics: Provided for the thirteen months ended February 28, 2026 (detailed in Exhibit 99.1).
- Delinquency Statistics: Provided for the thirteen months ended February 28, 2026 (detailed in Exhibit 99.1).
Note: Specific numerical values for charge-offs and delinquency rates are contained within Exhibit 99.1 and are not explicitly listed in the text of the 8-K cover page.
Material Changes
The filing text does not provide specific comparative data or percentage changes versus prior periods. It states the company's intent to continue furnishing these statistics monthly, with the last month of each quarter reported contemporaneously with quarterly financial results.
Guidance, Outlook, and Risks
Management Commentary: The company intends to maintain its current reporting cadence for monthly charge-off and delinquency statistics.
Legal Status of Information: The information furnished under Item 7.01 and Exhibit 99.1 is not deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 and is not subject to the liabilities of that section. It is not incorporated by reference into other filings unless expressly stated.
Investor Verification Checklist
- Review Exhibit 99.1 for the specific numerical values of charge-offs and delinquency rates for the thirteen months ended February 28, 2026.
- Compare the latest month's statistics (February 2026) against the prior month and the same month in the prior year to assess credit trend direction.
- Verify the upcoming quarterly earnings release date to ensure the final month of the quarter's statistics are reviewed in conjunction with full financial results.