{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000268","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-08-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.721865+00:00","generated_at":"2026-05-31T09:00:51.868290+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 July 2024 credit metrics: 30+ delinquency 4.6%, net charge-off 6.2%, both up YoY","bullets":["Period-end loan receivables $102.7B at July 31, 2024, up from $96.3B a year earlier.","30+ delinquency rate rose to 4.6% from 4.0% in July 2023, driven by moderation in customer payment rates.","Net charge-off rate (annualized) increased to 6.2% from 4.7% a year ago.","Adjusted net charge-off rate, which smooths recovery timing, was 6.3% vs. 4.7% in July 2023.","Credit card loan receivables (approx. 92% of total) had charge-off cycle dates varying by month."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000268","json":"https://secwatch.observer/filing/0001601712-24-000268.json","markdown":"https://secwatch.observer/filing/0001601712-24-000268.md","text":"https://secwatch.observer/filing/0001601712-24-000268.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000268/0001601712-24-000268-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000268/syf-20240815.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T09:00:51.868290+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"}