{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000248","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.721324+00:00","generated_at":"2026-05-31T20:14:06.783649+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Synchrony Financial June 2024 credit stats: charge-off 6.1%, delinquency 4.5%","bullets":["30+ day delinquency rate 4.5% at June 30, 2024, up from 3.8% a year earlier.","Net charge-off rate (annualized) for June 2024 was 6.1%, versus 4.7% in June 2023.","Adjusted net charge-off rate was 6.1%, reflecting continued moderation in customer payment rates.","Period-end loan receivables $102.3B at June 30, 2024, up from $94.8B a year ago.","Company will continue furnishing monthly stats; quarterly stats released with earnings."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000248","json":"https://secwatch.observer/filing/0001601712-24-000248.json","markdown":"https://secwatch.observer/filing/0001601712-24-000248.md","text":"https://secwatch.observer/filing/0001601712-24-000248.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000248/0001601712-24-000248-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000248/syf-20240717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T20:14:06.783649+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"}