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Synchrony Financial ( (SYF) ) has shared an update.
Synchrony Financial has released unaudited monthly charge-off and delinquency statistics covering the thirteen months ended Jan. 31, 2026, detailing period-end and average loan receivables along with key credit-quality ratios. The data show loan receivables hovering around $100 billion with 30-plus day delinquencies in the mid-4% range and net charge-off rates generally between about 4.7% and 6.8%, offering investors granular transparency into evolving consumer credit trends and portfolio risk.
The company said it will continue furnishing these performance statistics on a monthly basis, aligning the final month of each quarter with its quarterly earnings release. By committing to this regular disclosure, Synchrony enhances visibility into its credit performance for bondholders, equity investors and other stakeholders, aiding assessment of asset quality and potential impacts on funding costs and capital planning.
The most recent analyst rating on (SYF) stock is a Hold with a $82.00 price target. To see the full list of analyst forecasts on Synchrony Financial stock, see the SYF Stock Forecast page.
Spark’s Take on SYF Stock
According to Spark, TipRanks’ AI Analyst, SYF is a Neutral.
The score is driven primarily by solid underlying financial strength and an attractive valuation (low P/E with a dividend). These positives are tempered by weak technical momentum and mixed near-term growth signals (declining revenue and slightly negative free cash flow growth), while the earnings call guidance and credit improvement provide an additional supportive but smaller lift.
To see Spark’s full report on SYF stock, click here.
More about Synchrony Financial
Synchrony Financial is a consumer financial services company specializing in private-label credit cards, co-branded cards and other revolving credit products, primarily serving retail partners and end-consumers in the U.S. market. Its portfolio performance and credit quality metrics, such as charge-offs and delinquencies, are closely watched by investors and counterparties given the cyclical nature of consumer credit.
Average Trading Volume: 4,037,425
Technical Sentiment Signal: Buy
Current Market Cap: $27.07B
Find detailed analytics on SYF stock on TipRanks’ Stock Analysis page.