{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000176","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-05-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.169415+00:00","generated_at":"2026-06-01T23:06:32.167607+00:00","sec_items":["7.01","9.01"],"event_type":"regulatory","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Synchrony reports April 2024 credit stats: 30+ delinquency 4.6%, net charge-off 6.7%, both up YoY","bullets":["30+ delinquency rate 4.6% at Apr 30, 2024, up from 3.7% a year ago, reflecting continued moderation in payment rates.","Net charge-off rate (annualized) 6.7% for April 2024 vs 4.6% in April 2023; adjusted net charge-off rate 6.7%.","Period-end loan receivables $101.6B, up from $92.1B in April 2023; average loan receivables $101.1B.","Company attributes year-over-year increases to persistent slowdown in customer payment rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000176","json":"https://secwatch.observer/filing/0001601712-24-000176.json","markdown":"https://secwatch.observer/filing/0001601712-24-000176.md","text":"https://secwatch.observer/filing/0001601712-24-000176.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000176/0001601712-24-000176-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000176/syf-20240515.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-01T23:06:32.167607+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"}