{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-23-000023","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2023-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.786484+00:00","generated_at":"2026-06-20T11:47:26.166971+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Synchrony Q4 net earnings $577M ($1.26 EPS) vs $813M; provision charge jumps 114%","bullets":["Net interest income rose 7.2% to $4.1B; purchase volume hit record $47.9B, up 2%.","Provision for credit losses surged to $1.2B from $561M YoY; net charge-offs 3.48% vs 2.37%.","Loan receivables grew 15% to $92.5B; CET1 ratio declined to 12.8% from 15.6%.","Returned $803M capital including $700M buybacks; remaining authorization $700M.","Added or renewed 25+ programs including Lowe's; launched BNPL with Belk and Discount Tire."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-23-000023","json":"https://secwatch.observer/filing/0001601712-23-000023.json","markdown":"https://secwatch.observer/filing/0001601712-23-000023.md","text":"https://secwatch.observer/filing/0001601712-23-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000023/0001601712-23-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000023/syf-20230123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:47:26.166971+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"d65e295be82da27bed5fe4aa3b24a73c48605da4","claim":"Synchrony Financial reported fourth quarter 2022 results: net income $577 million, EPS $1.26 per diluted share.","evidence_excerpt":"Synchrony Financial (NYSE: SYF) today announced fourth quarter 2022 net earnings of $577 million, or $1.26 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000023/0001601712-23-000023-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter 2022"},{"label":"Net income","value":"$577 million"},{"label":"EPS","value":"$1.26 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}