{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000023","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.769866+00:00","generated_at":"2026-06-06T20:02:48.397406+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Synchrony Q4 net earnings $440M ($1.03 EPS) down 24% YoY; loan receivables up 11% to $103B","bullets":["Net earnings $440M ($1.03 diluted EPS) vs $577M ($1.26) in Q4 2022, down 24%.","Provision for credit losses surged 50% to $1.8B; net charge-off rate 5.58% (up 210 bps YoY).","Loan receivables grew 11% to $103.0B; purchase volume up 3% to $49.3B.","Returned $353M to shareholders ($250M buybacks, $103M dividends); CET1 ratio 12.2%.","Deposits up 13% to $81.2B; announced acquisition of Ally Lending’s POS business."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000023","json":"https://secwatch.observer/filing/0001601712-24-000023.json","markdown":"https://secwatch.observer/filing/0001601712-24-000023.md","text":"https://secwatch.observer/filing/0001601712-24-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000023/0001601712-24-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000023/syf-20240123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T20:02:48.397406+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":"f8d797b4bf2847089185b1fa29f0e7bfd4e225dd","claim":"Synchrony Financial reported fourth quarter 2023 results: net income $440 million, EPS $1.03 per diluted share.","evidence_excerpt":"Synchrony Financial (the “Company”) issued a press release setting forth the Company’s fourth quarter 2023 earnings.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000023/0001601712-24-000023-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter 2023"},{"label":"Net income","value":"$440 million"},{"label":"EPS","value":"$1.03 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"}