{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-23-000199","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2023-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.507427+00:00","generated_at":"2026-06-13T07:03:22.940481+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Synchrony Q2 net earnings fall 29% to $569M, provision up 91%; credit normalizing","bullets":["Diluted EPS $1.32 vs $1.60 YoY; net earnings $569M down from $804M.","Loan receivables $94.8B (+15% YoY); purchase volume flat at $47.3B.","Provision for credit losses $1.38B (+91% YoY) on higher net charge-offs and reserve build.","Net charge-offs 4.75% (up from 2.73%); 30+ day delinquencies 3.84% (up from 2.74%).","Returned $399M to shareholders; new $1B repurchase authorization through June 2024; dividend raised 9%."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-23-000199","json":"https://secwatch.observer/filing/0001601712-23-000199.json","markdown":"https://secwatch.observer/filing/0001601712-23-000199.md","text":"https://secwatch.observer/filing/0001601712-23-000199.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000199/0001601712-23-000199-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000199/syf-20230718.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T07:03:22.940481+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":"df456a2ddfed4ff413ad2e75965dd614fedc4571","claim":"Synchrony Financial reported second quarter 2023 results: net income $569 million, EPS $1.32 per diluted share.","evidence_excerpt":"SECOND QUARTER 2023 RESULTS AND KEY METRICS 2.1% Return on Assets 12.3% CET1 Ratio $399M Capital Returned CEO COMMENTARY","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000199/0001601712-23-000199-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter 2023"},{"label":"Net income","value":"$569 million"},{"label":"EPS","value":"$1.32 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"}