{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000334","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-10-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.934751+00:00","generated_at":"2026-05-30T13:43:28.922453+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Synchrony reports Sep 2024 charge-off rate 6.4%, up from 4.5% a year ago; 30+ delinquency rate rises to 4.8%","bullets":["30+ delinquency rate reached 4.8% at Sep 30, 2024, up from 4.4% at Sep 30, 2023.","Net charge-off rate (annualized) for Sep 2024 was 6.4%, versus 4.5% a year earlier.","Adjusted net charge-off rate for Sep 2024 was 6.2%, compared to 4.4% in Sep 2023.","Period-end loan receivables grew to $102.2B from $97.9B a year ago; average receivables $102.1B.","Company attributes deterioration to moderation in customer payment rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000334","json":"https://secwatch.observer/filing/0001601712-24-000334.json","markdown":"https://secwatch.observer/filing/0001601712-24-000334.md","text":"https://secwatch.observer/filing/0001601712-24-000334.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000334/0001601712-24-000334-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000334/syf-20241016.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:43:28.922453+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"}