{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000216","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-06-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.169696+00:00","generated_at":"2026-06-01T05:18:06.363137+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Synchrony Financial May 2024 credit stats: delinquency/charge-off rates rise YoY","bullets":["Period-end loan receivables $102.4B as of May 31, 2024.","30+ day delinquency rate 4.5%, up from 3.8% a year earlier.","Net charge-off rate 6.5% (annualized), versus 5.0% in May 2023.","Adjusted net charge-off rate (non-GAAP) 6.4%, compared with 4.9% YoY.","Increases attributed to continued moderation in customer payment rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000216","json":"https://secwatch.observer/filing/0001601712-24-000216.json","markdown":"https://secwatch.observer/filing/0001601712-24-000216.md","text":"https://secwatch.observer/filing/0001601712-24-000216.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000216/0001601712-24-000216-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000216/syf-20240610.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-01T05:18:06.363137+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"}