{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000161","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.169067+00:00","generated_at":"2026-06-03T09:38:22.239479+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Synchrony Financial March 2024 credit metrics worsen; 30+ delinquency rises to 4.7%, net charge-offs to 6.6%","bullets":["Period-end loans at $101.7B as of Mar 31, 2024, up from $91.1B a year ago.","30+ delinquency rate was 4.7% at Mar 31, 2024 vs 3.8% at Mar 31, 2023.","Net charge-off rate for Mar 2024 was 6.6% (annualized), up from 4.5% in Mar 2023.","Adjusted net charge-off rate (non-GAAP) was 6.4% for Mar 2024 vs 4.5% a year ago.","Company attributes increases to continued moderation in customer payment rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000161","json":"https://secwatch.observer/filing/0001601712-24-000161.json","markdown":"https://secwatch.observer/filing/0001601712-24-000161.md","text":"https://secwatch.observer/filing/0001601712-24-000161.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000161/0001601712-24-000161-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000161/syf-20240424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T09:38:22.239479+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}