{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000159","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.168832+00:00","generated_at":"2026-06-03T09:38:25.275748+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 Q1 GAAP EPS $3.14, adj EPS $1.18; loan rec up 12%; net charge-offs 6.31%","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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000159","json":"https://secwatch.observer/filing/0001601712-24-000159.json","markdown":"https://secwatch.observer/filing/0001601712-24-000159.md","text":"https://secwatch.observer/filing/0001601712-24-000159.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000159/0001601712-24-000159-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000159/syf-20240424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T09:38:25.275748+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":"266d786b3a0bb151bebabfe45de34852aa0cd5b3","claim":"Synchrony Financial reported first quarter 2024 results: net income $1.3 billion, EPS $3.14 per diluted share.","evidence_excerpt":"Synchrony Financial (NYSE: SYF) today announced first quarter 2024 net earnings of $1.3 billion, or $3.14 per diluted share, compared to $601 million, or $1.35 per diluted share in the first quarter 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000159/0001601712-24-000159-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2024"},{"label":"Net income","value":"$1.3 billion"},{"label":"EPS","value":"$3.14 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"}