{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000333","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-10-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.934535+00:00","generated_at":"2026-05-30T13:43:23.098693+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Synchrony Q3 net earnings $789M, +26% YoY; EPS $1.94 vs $1.48","bullets":["Diluted EPS of $1.94, up 31% YoY from $1.48; net earnings $789M (+26%).","Loan receivables grew 4% to $102.2B; purchase volume fell 4% to $45.0B.","Net charge-offs rose to 6.06% of avg loans (4.60% Q3 2023); allowance coverage 10.79%.","Net interest margin narrowed 32bps to 15.04%; CET1 ratio improved to 13.1%.","Returned $399M to shareholders: $300M buybacks + $99M dividends; remaining $700M authorization."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000333","json":"https://secwatch.observer/filing/0001601712-24-000333.json","markdown":"https://secwatch.observer/filing/0001601712-24-000333.md","text":"https://secwatch.observer/filing/0001601712-24-000333.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000333/0001601712-24-000333-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000333/syf-20241016.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:43:23.098693+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"}