{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-23-000271","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.722067+00:00","generated_at":"2026-06-09T14:09:50.388465+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 Q3 net earnings $628M, EPS $1.48; loan receivables up 14%","bullets":["Net earnings $628M, down 10.7% YoY; diluted EPS $1.48 vs $1.47 YoY, flat due to share repurchases.","Loan receivables grew 14% to $97.9B; purchase volume up 5% to $47.0B.","Net charge-offs rose to 4.60% from 3.00% YoY; provision for credit losses up 60% to $1.49B.","CET1 ratio 12.4%, down from 14.3% YoY; returned $254M capital including $150M buybacks.","Efficiency ratio improved to 33.2% from 36.5% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-23-000271","json":"https://secwatch.observer/filing/0001601712-23-000271.json","markdown":"https://secwatch.observer/filing/0001601712-23-000271.md","text":"https://secwatch.observer/filing/0001601712-23-000271.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000271/0001601712-23-000271-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000271/syf-20231024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T14:09:50.388465+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":"6bdcfa2ee3f7fa426f05c781d42bf84bb15d752a","claim":"Synchrony Financial reported third quarter 2023 results: net income $628 million, EPS $1.48 per diluted share.","evidence_excerpt":"On October 24, 2023, Synchrony Financial (the \"Company\") issued a press release setting forth the Company's third quarter 2023 earnings.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1601712/000160171223000271/0001601712-23-000271-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Net income","value":"$628 million"},{"label":"EPS","value":"$1.48 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"}