{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000247","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.721008+00:00","generated_at":"2026-05-31T20:14:10.143882+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 Q2 net earnings $643M, EPS $1.55; loan receivables up 8% to $102.3B; charge-offs rise 167bps","bullets":["Net earnings $643M, EPS $1.55 diluted, vs $569M and $1.32 in Q2 2023; net revenue up 12.7%.","Loan receivables $102.3B (+8% YoY); purchase volume down 1% to $46.8B; average active accounts up 2%.","Net charge-offs 6.42% of avg loans, up 167bps from 4.75%; 30+ day delinquencies 4.47% vs 3.84%.","Efficiency ratio improved to 31.7% from 35.5%; CET1 ratio 12.6% (vs 12.8% prior year).","Returned $400M capital via $300M buybacks and $100M dividends; dividend unchanged at $0.25."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000247","json":"https://secwatch.observer/filing/0001601712-24-000247.json","markdown":"https://secwatch.observer/filing/0001601712-24-000247.md","text":"https://secwatch.observer/filing/0001601712-24-000247.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000247/0001601712-24-000247-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000247/syf-20240717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T20:14:10.143882+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"}