{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000041","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.153861+00:00","generated_at":"2026-05-27T08:21:52.811687+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Synchrony Q4 earnings surge 76% to $774M; EPS $1.91 vs $1.03 YoY","bullets":["Diluted EPS $1.91, up 85% from $1.03; net earnings $774M vs $440M.","Net interest income $4.59B (+3%); provision for credit losses down 13.5% to $1.56B.","Purchase volume $48.0B (-3%); loan receivables $104.7B (+2%).","CET1 ratio 13.3% vs 12.2% a year ago; returned $197M in capital via buybacks and dividends.","Added or renewed nearly 30 partner programs; extended Sam's Club and JCPenney agreements."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000041","json":"https://secwatch.observer/filing/0001601712-25-000041.json","markdown":"https://secwatch.observer/filing/0001601712-25-000041.md","text":"https://secwatch.observer/filing/0001601712-25-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000041/0001601712-25-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000041/syf-20250128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:21:52.811687+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"}