Exhibit 99.1

SYNCHRONY FINANCIAL
MONTHLY CHARGE-OFF AND DELINQUENCY STATISTICS
AS OF AND FOR EACH OF THE THIRTEEN MONTHS ENDED
(unaudited, $ in billions)
The following table provides monthly charge-off and delinquency statistics as of and for each of the thirteen months ended August 31, 2019.
The increases in both the over-30 day loan delinquencies as a percentage of period-end loan receivables (the “30+ delinquency rate”) and the core 30+ delinquency rate (1) at August 31, 2019 compared to the same period in the prior year is primarily due to the PayPal Credit program, including the impacts from the related purchase accounting benefit in the prior year. Excluding the PayPal Credit program, the core 30+ delinquency rate at August 31, 2019 decreased slightly as compared to August 31, 2018.
The increase in net charge-offs for the month ended August 31, 2019 compared to the same period in the prior year, is primarily due to the purchase accounting benefit in the prior year associated with the PayPal Credit program which was acquired in July 2018. The increase is in line with the outlook provided during the Company’s 2Q 2019 earnings conference call held on July 19, 2019.
	Aug 31, 2019				Jul 31, 2019				Jun 30, 2019				May 31, 2019				Apr 30, 2019				Mar 31, 2019				Feb 28, 2019				Jan 31, 2019				Dec 31, 2018				Nov 30, 2018				Oct 31, 2018				Sep 30, 2018				Aug 31, 2018
Period-end loan receivables	$	83.1			$	82.6			$	81.8			$	81.5			$	80.7			$	80.4			$	80.9			$	82.6			$	93.1			$	90.5			$	88.2			$	87.5			$	87.4
Average loan receivables, including held for sale	$	90.6			$	89.9			$	89.5			$	88.7			$	88.2			$	88.2			$	90.0			$	91.5			$	92.0			$	88.6			$	87.3			$	87.4			$	86.9
30+ days past due as a % of period-end loan receivables	4.4		%		4.4		%		4.4		%		4.5		%		4.6		%		4.9		%		5.2		%		5.2		%		4.8		%		4.9		%		4.8		%		4.6		%		4.3		%
Adjustment to exclude Walmart portfolio(1)	(0.2		)%		(0.3		)%		(0.4		)%		(0.5		)%		(0.5		)%		(0.5		)%		(0.5		)%		(0.6		)%		(0.3		)%		(0.3		)%		(0.3		)%		(0.3		)%		(0.3		)%
Core 30+ delinquency rate(1)	4.2		%		4.1		%		4.0		%		4.0		%		4.1		%		4.4		%		4.7		%		4.6		%		4.5		%		4.6		%		4.5		%		4.3		%		4.0		%
Net charge-offs (annualized) as a % of average loan receivables, including held for sale(2)	5.4		%		5.4		%		5.4		%		6.1		%		6.5		%		6.4		%		6.1		%		5.7		%		5.8		%		5.5		%		5.3		%		4.9		%		4.8		%
Recovery adjustment(3)	(0.1		)%		—		%		0.1		%		—		%		—		%		(0.3		)%		0.3		%		—		%		(0.1		)%		0.1		%		—		%		(0.1		)%		0.1		%
Adjusted net charge-offs as a % of average loan receivables, including held for sale(4)	5.3		%		5.4		%		5.5		%		6.1		%		6.5		%		6.1		%		6.4		%		5.7		%		5.7		%		5.6		%		5.3		%		4.8		%		4.9		%
(1) Core 30+ delinquency rate is a non-GAAP financial measure. This measure represents the Company’s 30+ days past due loan receivables as a percentage of period-end loan receivables, adjusted to exclude the delinquent accounts related to the Walmart portfolio and the effects of the reclassification of loan receivables related to the Walmart portfolio to loan receivables held for sale. The loan receivables held for sale do not include certain loan receivables we expect to charge-off prior to the sale date, leading to a temporary increase in our delinquency metrics. We believe the presentation of this measure is useful to investors as it represents the measure more indicative of the performance of our ongoing credit programs.
(2) Charge-offs are executed on charge-off cycle dates which occur on various days during each calendar month. The number of different charge-off cycle dates in each month varies based on such factors as the calendar and the timing of billing cycles. As a result, the amount of charged-off loan receivables can vary between monthly periods with no corresponding change in the performance of the portfolio. The following table sets forth the number of different charge-off cycle dates for our consumer credit card loan receivables, which represent greater than 95% of total period-end loan receivables at August 31, 2019, for the calendar months indicated.
	2018				2019
January	29				28
February	28				28
March	25				28
April	30				28
May	28				28
June	26				28
July	30				29
August	28				27
September	28				28
October	29				28
November	27				26
December	28				30
(3) Represents adjustment to allocate recoveries, including debt sales, evenly across the three calendar months of each respective quarterly reporting period. The adjustments for periods other than for the last month of each calendar quarter incorporate estimated recoveries for the applicable full quarterly reporting period. Such estimates are subject to change within each applicable quarter and may differ from actual quarterly results.
(4) Adjusted net charge-offs represent a non-GAAP financial measure. Adjusted net charge-offs as a % of average loan receivables, including held for sale, represent the Company's net charge-off rate for each month including the 'recovery adjustment' defined above. We believe the presentation of this measure is useful to investors as it represents a monthly measure which is more indicative of both our quarterly and annual net charge-off rates.

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