{"filings":[{"id":451761,"accession_number":"0001601712-26-000021","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2026-05-14T21:38:25+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial April 2026 credit metrics: net charge-off rate falls to 5.5% from 6.3% YoY","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables of $100.9B, up from $99.5B in April 2025.","30+ day delinquency rate 4.3%, flat compared to 4.3% a year earlier.","Net charge-off rate (annualized) 5.5%, down from 6.3% in April 2025.","Adjusted net charge-off rate 5.6%, also down from 6.3% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94005,"accession_number":"0001601712-26-000014","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2026-04-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony March credit stats: net charge-off 5.8%, 30+ delinquency 4.5%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $100.1B as of March 31, 2026, up from $99.6B a year ago.","Adjusted net charge-off rate of 5.8% improved YoY from 6.2% in March 2025.","30+ day delinquency rate unchanged at 4.5% versus March 2025; down from 4.7% in February 2026.","Average loan receivables for March were $99.3B, slightly below the $99.6B level in March 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94004,"accession_number":"0001601712-26-000013","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2026-04-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q1 EPS $2.27 beats $1.89 YoY; announces $6.5B buyback, 13% dividend hike","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net earnings $805M ($2.27 diluted EPS) vs $757M ($1.89) in Q1 2025.","Purchase volume up 6% to $43.0B; loan receivables flat at $100.1B.","Net charge-offs improved 96 bps to 5.42% of avg loans.","New $6.5B share repurchase program with no expiration replaces prior program.","Board approves 13% dividend increase to $0.34/share starting Q3 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":2.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106047,"accession_number":"0001601712-26-000010","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2026-03-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Feb 2026 charge-off rate 5.8%, down from 6.8% YoY; delinquency steady at 4.7%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net charge-off rate for Feb 2026 was 5.8% (annualized), vs 6.8% in Feb 2025 but up from 4.7% in Jan 2026.","30+ delinquency rate of 4.7% as of Feb 28, 2026, unchanged from a year ago; increased from 4.6% as of Jan 31, 2026.","Period-end loan receivables $99.9B, vs $100.1B in Feb 2025; average loan receivables $100.7B."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106046,"accession_number":"0001193125-26-071785","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2026-02-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Synchrony Financial issues $750M of 4.947% Fixed-to-Floating Senior Notes due 2032","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$750 million aggregate principal amount of 4.947% Fixed-to-Floating Rate Senior Notes due 2032.","Notes convert to floating rate after the fixed-rate period; final maturity 2032.","Underwriters: BofA Securities, J.P. Morgan Securities, Mizuho Securities USA.","Offering conducted under existing shelf registration; closing expected February 25, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106045,"accession_number":"0001601712-26-000008","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2026-02-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony January 2026: 30+ delinquency 4.6%, adjusted net charge-off 4.7%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $101.7B, down from $103.8B in December 2025.","30+ delinquency rate 4.6% vs 4.5% in Dec 2025 and 4.7% a year ago.","Net charge-off rate (annualized) 4.7%, down from 5.5% in Dec 2025.","Adjusted net charge-off rate 4.7%, vs 5.4% in Dec 2025 and 6.2% a year ago.","No loan receivables held for sale as of Jan 31, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106044,"accession_number":"0001601712-26-000004","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Dec 2025: loans $103.8B, 30+ delinquency 4.5%, adjusted net charge-off 5.4%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $103.8B at Dec 31, 2025, up from $101.7B in Nov 2025.","30+ delinquency rate unchanged at 4.5%, flat vs Nov 2025 and down from 4.7% a year ago.","Net charge-off rate (annualized) was 5.5% in Dec 2025 vs 5.6% in Nov 2025; adjusted rate 5.4%.","Adjusted net charge-off rate improved from Dec 2024's 6.7% to Dec 2025's 5.4%.","Recovery adjustment in Dec 2025 was (0.1)% vs (0.2)% in Nov 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106043,"accession_number":"0001601712-26-000003","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q4 net earnings $751M ($2.04 EPS); credit quality improves, capital returns $1.1B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net earnings down 3% YoY to $751M; diluted EPS up 6.8% to $2.04 on lower share count.","Net charge-offs improved 108 bps to 5.37%; 30+ day delinquencies down 21 bps to 4.49%.","Purchase volume up 3% to $49.5B; loan receivables down 1% to $103.8B.","Returned $1.1B to shareholders ($952M buybacks, $106M dividends); $1.2B remaining authorization.","Efficiency ratio rose 360 bps to 36.9% on $67M restructuring charge for early retirement program."],"consensus_eps_estimate":null,"consensus_eps_actual":9.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122337,"accession_number":"0001601712-25-000264","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-12-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Nov 2025 credit stats: 30+ delinquency 4.5% (flat MoM, -40bp YoY), net charge-off 5.6%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $101.7B, up from $100.4B in Oct and down from $102.9B a year ago.","30+ delinquency rate 4.5%, unchanged from Oct and improved from 4.9% in Nov 2024.","Net charge-off rate 5.6% (annualized), up from 5.0% in Oct but down from 6.2% a year ago.","Adjusted net charge-off rate (non-GAAP) 5.4%, compared to 5.3% in Oct and 6.2% in Nov 2024.","Recovery adjustment of -0.2% this month reflects quarterly recovery allocation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122336,"accession_number":"0001601712-25-000262","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-11-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Oct credit stats: 30+ delinquency 4.5%, adj. NCO 5.3%","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Period-end loans $100.4B vs $100.2B in Sep; 30+ delinquency 4.5% (Sep: 4.4%, Oct 2024: 4.9%).","Net charge-off rate (annualized) 5.0% vs 5.3% in Sep and 6.2% year ago.","Adjusted net charge-off rate 5.3% vs 5.1% in Sep; recovery adjustment added 0.3%.","Charge-off cycle dates varied: credit card portfolio had 28 dates in Oct vs 28 in Sep."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122335,"accession_number":"0001601712-25-000257","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-10-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Sep 2025 net charge-off rate 5.3%, 30+ delinquency 4.4%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $100.2B, down from $102.2B in Sep 2024.","30+ delinquency rate 4.4% vs 4.8% a year ago, improving 40 bps YoY.","Net charge-off rate 5.3% (annualized) vs 6.4% in Sep 2024, down 110 bps.","Adjusted net charge-off rate 5.1% vs 6.2% in Sep 2024, also improved.","Loan receivables held for sale $0.2B, unchanged from prior two months."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122334,"accession_number":"0001601712-25-000256","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-10-15T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q3 net earnings $1.1B ($2.86 EPS) vs $789M; purchase volume up 2%, credit metrics improve","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net earnings $1.077B ($2.86 diluted EPS), up 37% YoY from $789M ($1.94).","Purchase volume +2% to $46.0B; loan receivables -2% to $100.2B; net interest margin +58bps to 15.62%.","Net charge-offs 5.16% (down 90bps YoY); 30+ day delinquencies 4.39% (down 39bps).","Board approved incremental $1.0B buyback; total repurchase authorization $2.1B through June 2026.","Returned $971M in capital ($861M buybacks, $110M dividends); CET1 ratio 13.7%."],"consensus_eps_estimate":null,"consensus_eps_actual":7.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139043,"accession_number":"0001601712-25-000253","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-09-29T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Synchrony appoints former CEO Deborah Ellinger to Board, effective Oct 1, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Elected to Board; will serve on Risk and Technology Committees.","Annual compensation: $320k ($100k cash + $220k RSUs) plus $35k committee cash.","Ellinger is former CEO of Ideal Image, Princeton Review, Restoration Hardware, Wellness Pet Food.","Currently senior advisor at BCG; also serves on Chewy board.","Board expands to 12 members."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139042,"accession_number":"0001601712-25-000251","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-09-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Aug 2025 credit: 30+ delinquencies 4.3%, net charge-off 5.1% YoY improvement","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $100.2B, down from $102.5B in Aug 2024.","30+ delinquency rate 4.3% as of Aug 31, 2025, vs 4.6% a year earlier.","Net charge-off rate (annualized) 5.1% for Aug 2025, down from 5.6% in Aug 2024.","Adjusted net charge-off rate 5.3% vs 5.7% prior year, reflecting improved credit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139041,"accession_number":"0001601712-25-000249","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-08-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony reports July 2025 credit metrics: 30+ delinquency 4.2%, net charge-off rate 5.1%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables of $100.3B, down from $104.7B in Dec 2024; held for sale $0.2B.","30+ delinquency rate stable at 4.2% (June 4.2%, July 2024 4.6%).","Net charge-off rate (annualized) of 5.1%, improved from 5.8% in June and 6.2% in July 2024.","Adjusted net charge-off rate of 5.1% after recovery allocation; credit quality trending favorably.","Average loan receivables (incl. held for sale) of $99.7B for the month."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139040,"accession_number":"0001601712-25-000239","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-08-05T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Synchrony to acquire Lowe's commercial co-branded credit card portfolio ($0.8B receivables)","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquisition of ~$0.8B in loan receivables from Lowe's commercial co-branded card portfolio.","Expects to record reserve of up to $50M in Q3 2025 in connection with the acquisition.","Completion and program launch expected in first half of 2026, subject to customary closing conditions.","Synchrony will become the issuer of the commercial co-branded credit card program."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139039,"accession_number":"0001193125-25-168055","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-07-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Synchrony issues $1B in senior notes: $500M at 5.019% due 2029, $500M at 6.000% due 2036","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $500M of 5.019% Fixed-to-Floating Rate Senior Notes due 2029.","Issued $500M of 6.000% Fixed-to-Floating Rate Senior Notes due 2036.","Underwriters include BofA Securities, Mizuho, and Wells Fargo.","Offering made under existing shelf registration (S-3) and closed on July 29, 2025.","Notes governed by indenture with The Bank of New York Mellon as trustee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139038,"accession_number":"0001601712-25-000229","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-07-22T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial June credit metrics improve; delinquencies at 4.2%, net charge-offs at 5.8%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $99.8B at June 30, 2025, down 2.4% YoY from $102.3B.","30+ delinquency rate improved to 4.2% from 4.5% in June 2024.","Net charge-off rate (annualized) was 5.8% in June 2025 vs 6.1% a year ago.","Adjusted net charge-off rate (non-GAAP) was 5.7% vs 6.1% YoY.","Loan receivables held for sale of $0.2B recorded at June 30, 2025 (none prior month)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139037,"accession_number":"0001601712-25-000228","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-07-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q2 net earnings $967M ($2.50 EPS) up 50% YoY; NIM expands, credit trends improve","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $2.50 vs $1.55 YoY; net earnings $967M up 50.4%.","Net interest income $4.5B (+2.6% YoY); net revenue $3.65B (-1.8% from higher retailer share).","Net charge-off rate 5.70% vs 6.42% YoY (-72 bps); provision down 32% to $1.15B.","CET1 ratio 13.6% (up from 12.6%); returned $614M in capital including $500M buyback.","Renewed Amazon partnership with Synchrony Pay Later; announced OnePay to power Walmart credit card."],"consensus_eps_estimate":null,"consensus_eps_actual":4.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156557,"accession_number":"0001601712-25-000200","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-06-20T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Synchrony Financial stockholders elect all 11 directors at 2025 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 director nominees elected with votes for ranging from ~303M to ~320M.","KPMG ratified as independent auditor for 2025: 331.6M for, 6.0M against, 0.2M abstain.","Advisory say-on-pay proposal approved with 90.6% support from votes cast (287.7M for)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156556,"accession_number":"0001601712-25-000198","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-06-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial May 2025 credit stats: net charge-off rate improves to 5.1% from 6.5% YoY","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $99.9B vs $102.4B a year earlier, down $2.5B.","30+ day delinquency rate fell to 4.2% from 4.5% YoY, a 30 bps improvement.","Net charge-off rate (annualized) dropped 140 bps to 5.1% from 6.5% in May 2024.","Adjusted net charge-off rate also improved to 5.2% from 6.4% YoY.","Charge-off cycle dates varied; consumer credit card loans were ~92% of total receivables."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156555,"accession_number":"0001601712-25-000196","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-06-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony to exclusively issue OnePay credit cards for Walmart; launch fall 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Strategic partnership with OnePay (fintech backed by Walmart and Ribbit Capital); Synchrony is exclusive issuer of new Walmart credit card program.","Two card types: general-purpose card usable anywhere Mastercard accepted, and private label card for Walmart purchases; embedded in OnePay app.","Program expected to launch fall 2025, powered by Mastercard's global network; available to millions of Walmart customers and U.S. consumers.","After initial launch and reserve costs, program expected to drive sales at attractive risk-adjusted returns and be accretive to long-term performance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156554,"accession_number":"0001601712-25-000153","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-05-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony reports Apr 2025 30+ delinquency rate 4.3%, net charge-off rate 6.3%","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Period-end loan receivables $99.5B, down from $101.6B year-over-year.","30+ delinquency rate improved to 4.3% from 4.6% in Apr 2024.","Net charge-off rate 6.3% (annualized), down from 6.7% in Apr 2024.","Adjusted net charge-off rate (non-GAAP) also 6.3% for Apr 2025.","Average loan receivables in Apr 2025 were $99.1B."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156553,"accession_number":"0001601712-25-000139","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony March 2025 credit metrics: 30+ delinquency 4.5%, net charge-off 6.2%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $99.6B at March 31, 2025, down from $100.1B in Feb 2025.","30+ delinquency rate fell to 4.5% from 4.7% in Feb 2025 and 4.7% a year ago.","Net charge-off rate was 6.2% (annualized), vs 6.8% in Feb 2025 and 6.6% in Mar 2024.","Adjusted net charge-off rate also 6.2%, with zero recovery adjustment for March."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156552,"accession_number":"0001601712-25-000138","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q1 net earnings $757M ($1.89 EPS); board raises dividend 20%, authorizes $2.5B buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net earnings $757M ($1.89 diluted EPS) vs $1.3B ($3.14) last year; adjusted EPS up 54% vs $1.18 prior (ex-Pets Best).","Board raised quarterly dividend 20% to $0.30 per share; authorized $2.5B share repurchase through June 2026.","Purchase volume down 4% to $40.7B; loan receivables down 2% to $99.6B; net interest margin up 19 bps to 14.74%.","Credit quality: 30+ days past due improved to 4.52% (down 22 bps); net charge-offs 6.38% (up 7 bps).","Fitch upgraded Synchrony's long-term IDR to 'BBB' with stable outlook."],"consensus_eps_estimate":null,"consensus_eps_actual":1.89,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174976,"accession_number":"0001601712-25-000114","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-03-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial Feb 2025 charge-off rate rises to 6.8%; delinquency steady at 4.7%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $100.1B, down from $102.2B in Jan 2025 and $100.0B in Feb 2024.","Net charge-off rate (annualized) 6.8% vs 6.2% in Jan 2025 and 6.5% a year ago.","30+ day delinquency rate 4.7%, unchanged from Jan 2025 vs 5.0% in Feb 2024.","Adjusted net charge-off rate (non-GAAP) also 6.8% after recovery adjustment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174975,"accession_number":"0001193125-25-048508","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-03-06T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Synchrony issues $800M of 5.450% Fixed-to-Floating Senior Notes due 2031","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $800M aggregate principal of 5.450% Fixed-to-Floating Rate Senior Notes due 2031.","Underwriting syndicate led by J.P. Morgan, Morgan Stanley, and RBC Capital Markets.","Offered under existing shelf registration statement (Form S-3).","Notes will be governed by a supplemental indenture dated March 6, 2025 with BNY Mellon as trustee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174974,"accession_number":"0001601712-25-000046","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-02-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony reports Jan 2025 charge-off rate 6.2%, delinquency rate 4.7%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $102.2B, up from $101.3B a year earlier.","30+ delinquency rate 4.7% (unchanged from Dec 2024, down from 4.9% in Jan 2024).","Net charge-off rate 6.2% (annualized), vs 5.8% in Jan 2024; adjusted rate also 6.2%.","Average loan receivables $102.8B for Jan 2025.","Credit card loans represent ~92% of total period-end receivables."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174973,"accession_number":"0001601712-25-000042","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Dec net charge-off rate rises to 6.9% (adj. 6.7%) from 5.7% YoY; delinquency flat 4.7%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $104.7B at Dec 31, 2024, up from $103.0B a year earlier.","30+ day delinquency rate unchanged at 4.7% YoY, reflecting impact of credit actions.","Net charge-off rate of 6.9% (annualized) for Dec 2024, compared to 5.7% in Dec 2023.","Adjusted net charge-off rate increased to 6.7% from 5.6% YoY.","Higher charge-offs driven by moderation in customer payment rates and four additional charge-off cycles in December."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174972,"accession_number":"0001601712-25-000041","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q4 earnings surge 76% to $774M; EPS $1.91 vs $1.03 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $1.91, up 85% from $1.03; net earnings $774M vs $440M.","Net interest income $4.59B (+3%); provision for credit losses down 13.5% to $1.56B.","Purchase volume $48.0B (-3%); loan receivables $104.7B (+2%).","CET1 ratio 13.3% vs 12.2% a year ago; returned $197M in capital via buybacks and dividends.","Added or renewed nearly 30 partner programs; extended Sam's Club and JCPenney agreements."],"consensus_eps_estimate":null,"consensus_eps_actual":8.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191941,"accession_number":"0001601712-24-000381","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-12-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Nov 2024 credit metrics: 30+ delinquencies at 4.9%, net charge-offs at 6.2%, both up YoY","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $102.9B; 30+ delinquency rate 4.9% vs 4.7% a year ago.","Net charge-off rate 6.2% vs 5.6% a year ago; adjusted net charge-off rate also 6.2%.","YoY increases attributed to continued moderation in customer payment rates.","Average loan receivables for month ended Nov 30, 2024: $101.8B."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191940,"accession_number":"0001601712-24-000340","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-11-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial Oct 2024 credit stats: 30+ delinquency rate 4.9%, net charge-off rate 6.2%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $102.3B; average loan receivables $101.7B for the month.","30+ delinquency rate 4.9% at Oct 31, 2024, up from 4.6% a year ago.","Net charge-off rate (annualized) 6.2% for Oct 2024, vs. 5.4% in Oct 2023.","Adjusted net charge-off rate 6.4%, reflecting recovery allocation adjustments.","YoY increases attributed to continued moderation in customer payment rates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191939,"accession_number":"0001601712-24-000334","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-10-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony reports Sep 2024 charge-off rate 6.4%, up from 4.5% a year ago; 30+ delinquency rate rises to 4.8%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["30+ delinquency rate reached 4.8% at Sep 30, 2024, up from 4.4% at Sep 30, 2023.","Net charge-off rate (annualized) for Sep 2024 was 6.4%, versus 4.5% a year earlier.","Adjusted net charge-off rate for Sep 2024 was 6.2%, compared to 4.4% in Sep 2023.","Period-end loan receivables grew to $102.2B from $97.9B a year ago; average receivables $102.1B.","Company attributes deterioration to moderation in customer payment rates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191938,"accession_number":"0001601712-24-000333","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-10-16T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q3 net earnings $789M, +26% YoY; EPS $1.94 vs $1.48","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $1.94, up 31% YoY from $1.48; net earnings $789M (+26%).","Loan receivables grew 4% to $102.2B; purchase volume fell 4% to $45.0B.","Net charge-offs rose to 6.06% of avg loans (4.60% Q3 2023); allowance coverage 10.79%.","Net interest margin narrowed 32bps to 15.04%; CET1 ratio improved to 13.1%.","Returned $399M to shareholders: $300M buybacks + $99M dividends; remaining $700M authorization."],"consensus_eps_estimate":null,"consensus_eps_actual":6.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208399,"accession_number":"0001601712-24-000310","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-09-17T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Synchrony appoints Dan Colao to Board of Directors, effective Oct 1, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Colao, former GE Capital CFO, will serve on Risk and Technology Committees.","Annual director compensation: $265k total ($100k cash + $165k RSUs); plus $20k risk, $15k tech committee fees.","Colao previously served on Synchrony's board from Feb 2014 to Nov 2015.","Board will expand to 11 members upon his appointment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208398,"accession_number":"0001601712-24-000308","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-09-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony August charge-off rate 5.6% (4.6% YoY); 30+ delinquency 4.6% (4.1% YoY)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $102.5B at Aug 31, 2024, up from $97.3B a year earlier.","30+ day delinquency rate 4.6% vs 4.1% in Aug 2023, reflecting moderation in customer payment rates.","Net charge-off rate 5.6% (annualized), up from 4.6% YoY; adjusted net charge-off rate 5.7%.","Net charge-offs decreased from July 2024 primarily due to four fewer charge-off cycles.","Company continues to furnish these statistics monthly; next update with Q3 earnings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208397,"accession_number":"0001601712-24-000268","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-08-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial July 2024 credit metrics: 30+ delinquency 4.6%, net charge-off 6.2%, both up YoY","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $102.7B at July 31, 2024, up from $96.3B a year earlier.","30+ delinquency rate rose to 4.6% from 4.0% in July 2023, driven by moderation in customer payment rates.","Net charge-off rate (annualized) increased to 6.2% from 4.7% a year ago.","Adjusted net charge-off rate, which smooths recovery timing, was 6.3% vs. 4.7% in July 2023.","Credit card loan receivables (approx. 92% of total) had charge-off cycle dates varying by month."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208396,"accession_number":"0001193125-24-192917","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-08-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Synchrony Financial issues $750M of 5.935% Fixed-to-Floating Senior Notes due 2030","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $750M aggregate principal of 5.935% Fixed-to-Floating Rate Senior Notes due 2030.","Notes offered via underwriters Barclays, BofA Securities, and Mizuho Securities.","Offering made under existing shelf registration statement on Form S-3.","Notes governed by Indenture with Bank of New York Mellon as trustee.","Proceeds intended for general corporate purposes (not stated explicitly)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208395,"accession_number":"0001601712-24-000248","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-07-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial June 2024 credit stats: charge-off 6.1%, delinquency 4.5%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["30+ day delinquency rate 4.5% at June 30, 2024, up from 3.8% a year earlier.","Net charge-off rate (annualized) for June 2024 was 6.1%, versus 4.7% in June 2023.","Adjusted net charge-off rate was 6.1%, reflecting continued moderation in customer payment rates.","Period-end loan receivables $102.3B at June 30, 2024, up from $94.8B a year ago.","Company will continue furnishing monthly stats; quarterly stats released with earnings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208394,"accession_number":"0001601712-24-000247","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-07-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q2 net earnings $643M, EPS $1.55; loan receivables up 8% to $102.3B; charge-offs rise 167bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net earnings $643M, EPS $1.55 diluted, vs $569M and $1.32 in Q2 2023; net revenue up 12.7%.","Loan receivables $102.3B (+8% YoY); purchase volume down 1% to $46.8B; average active accounts up 2%.","Net charge-offs 6.42% of avg loans, up 167bps from 4.75%; 30+ day delinquencies 4.47% vs 3.84%.","Efficiency ratio improved to 31.7% from 35.5%; CET1 ratio 12.6% (vs 12.8% prior year).","Returned $400M capital via $300M buybacks and $100M dividends; dividend unchanged at $0.25."],"consensus_eps_estimate":null,"consensus_eps_actual":4.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208393,"accession_number":"0001601712-24-000229","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Synchrony names Amy Tiliakos as CAO effective Aug 1; Melito retires July 2","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Current CAO David P. Melito retires July 2, 2024; CFO Brian Wenzel serves as interim principal accounting officer through July 31.","Amy Tiliakos appointed SVP, Chief Accounting Officer and Controller effective August 1, 2024.","Tiliakos previously U.S. Regulatory Reporting Vice President at American Express (2013-2024).","Tiliakos receives base salary, equity and non-equity incentive, plus sign-on awards for forfeited compensation.","No family relationships with directors or executive officers, and no arrangements with other persons."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226078,"accession_number":"0001601712-24-000218","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-06-13T23:59:59+00:00","items":["5.02","5.07","5.03","9.01"],"status":"ready","headline":"Synchrony shareholders approve 2024 LTIP (27.5M shares) and officer exculpation charter amendment","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders elected all 10 director nominees; vote tallies provided for each.","KPMG ratified as auditor for 2024 with 353M for, 5.4M against.","Advisory say-on-pay approved with 210M for, 133M against (61% support).","Charter amended to exculpate officers per recent Delaware law; passed with 311M for, 33M against.","2024 Long-Term Incentive Plan replaces 2014 plan, reserves 27.5M common shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226077,"accession_number":"0001601712-24-000216","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-06-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial May 2024 credit stats: delinquency/charge-off rates rise YoY","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loan receivables $102.4B as of May 31, 2024.","30+ day delinquency rate 4.5%, up from 3.8% a year earlier.","Net charge-off rate 6.5% (annualized), versus 5.0% in May 2023.","Adjusted net charge-off rate (non-GAAP) 6.4%, compared with 4.9% YoY.","Increases attributed to continued moderation in customer payment rates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226076,"accession_number":"0001601712-24-000176","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-05-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony reports April 2024 credit stats: 30+ delinquency 4.6%, net charge-off 6.7%, both up YoY","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["30+ delinquency rate 4.6% at Apr 30, 2024, up from 3.7% a year ago, reflecting continued moderation in payment rates.","Net charge-off rate (annualized) 6.7% for April 2024 vs 4.6% in April 2023; adjusted net charge-off rate 6.7%.","Period-end loan receivables $101.6B, up from $92.1B in April 2023; average loan receivables $101.1B.","Company attributes year-over-year increases to persistent slowdown in customer payment rates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226075,"accession_number":"0001601712-24-000161","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Synchrony Financial March 2024 credit metrics worsen; 30+ delinquency rises to 4.7%, net charge-offs to 6.6%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Period-end loans at $101.7B as of Mar 31, 2024, up from $91.1B a year ago.","30+ delinquency rate was 4.7% at Mar 31, 2024 vs 3.8% at Mar 31, 2023.","Net charge-off rate for Mar 2024 was 6.6% (annualized), up from 4.5% in Mar 2023.","Adjusted net charge-off rate (non-GAAP) was 6.4% for Mar 2024 vs 4.5% a year ago.","Company attributes increases to continued moderation in customer payment rates."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226074,"accession_number":"0001601712-24-000159","cik":1601712,"company_name":"Synchrony Financial","ticker":"SYF","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Synchrony Q1 GAAP EPS $3.14, adj EPS $1.18; loan rec up 12%; net charge-offs 6.31%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net earnings $1.3B ($3.14 diluted EPS); adjusted net earnings $491M ($1.18) excl Pets Best gain.","Loan receivables $101.7B (+12% YoY); purchase volume $42.4B (+2%); net interest income $4.4B (+9%).","Net charge-off rate 6.31% vs 4.49% YoY; 30+ day delinquencies 4.74%; allowance coverage 10.72%.","Returned $402M capital ($300M buybacks, $102M dividends); Board approved $1B incremental buyback auth.","Completed Pets Best sale ($1.1B pretax gain) and Ally Lending acquisition ($190M reserve build)."],"consensus_eps_estimate":null,"consensus_eps_actual":3.14,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24248931062.815575,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}