{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-24-000381","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2024-12-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.935172+00:00","generated_at":"2026-05-29T05:10:58.414903+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Synchrony Nov 2024 credit metrics: 30+ delinquencies at 4.9%, net charge-offs at 6.2%, both up YoY","bullets":["Period-end loan receivables $102.9B; 30+ delinquency rate 4.9% vs 4.7% a year ago.","Net charge-off rate 6.2% vs 5.6% a year ago; adjusted net charge-off rate also 6.2%.","YoY increases attributed to continued moderation in customer payment rates.","Average loan receivables for month ended Nov 30, 2024: $101.8B."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-24-000381","json":"https://secwatch.observer/filing/0001601712-24-000381.json","markdown":"https://secwatch.observer/filing/0001601712-24-000381.md","text":"https://secwatch.observer/filing/0001601712-24-000381.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000381/0001601712-24-000381-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171224000381/syf-20241210.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-29T05:10:58.414903+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"}