Synchrony Financial 8-K Report, Regulation FD Disclosure (Jul 21, 2026)

Synchrony Financial furnished its Monthly Charge-Off and Delinquency Statistics for the thirteen months ended June 30, 2026, as Exhibit 99.1 to this Form 8-K under Item 7.01 (Regulation FD Disclosure).

The unaudited statistics are presented in billions of dollars. The information is furnished, not filed, so it is not subject to Section 18 liability and is not incorporated by reference into other filings unless specifically referenced. The company stated it intends to furnish these statistics monthly, with the statistics for the last month of each calendar quarter delivered alongside its quarterly financial results announcement.

As of June 30, 2026, period-end loan receivables were $102.2 billion^a and average loan receivables, including held for sale, were $101.3 billion. The 30+ delinquency rate was 4.2% and the net charge-off rate was 5.3%. After a recovery adjustment of (0.1)%, the adjusted net charge-off rate was 5.2%.

For comparison, the June 2025 figures were a 30+ delinquency rate of 4.2%^b, a net charge-off rate of 5.8%, and an adjusted net charge-off rate of 5.7%. Over the period, the 30+ delinquency rate peaked at 4.7% in February 2026, and the adjusted net charge-off rate ranged from 4.7% (January 2026) to 5.8% (February and March 2026). The filing explains that monthly charge-off figures can vary because charge-offs are executed on cycle dates that differ in number from month to month, with no corresponding change in portfolio performance.

Consumer credit card loan receivables represent greater than 90%^c of total period-end loan receivables at June 30, 2026. The filing also defines the adjusted net charge-off rate as a non-GAAP measure that includes the recovery adjustment, which the company believes is useful to investors as a monthly measure more indicative of quarterly and annual net charge-off rates.