{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000340","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-11-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.934962+00:00","generated_at":"2026-05-29T23:46:51.078625+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 Oct 2024 credit stats: 30+ delinquency rate 4.9%, net charge-off rate 6.2%","bullets":["Period-end loan receivables $102.3B; average loan receivables $101.7B for the month.","30+ delinquency rate 4.9% at Oct 31, 2024, up from 4.6% a year ago.","Net charge-off rate (annualized) 6.2% for Oct 2024, vs. 5.4% in Oct 2023.","Adjusted net charge-off rate 6.4%, reflecting recovery allocation adjustments.","YoY increases attributed to continued moderation in customer payment rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000340","json":"https://secwatch.observer/filing/0001601712-24-000340.json","markdown":"https://secwatch.observer/filing/0001601712-24-000340.md","text":"https://secwatch.observer/filing/0001601712-24-000340.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000340/0001601712-24-000340-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000340/syf-20241115.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-29T23:46:51.078625+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"}