{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000042","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.154103+00:00","generated_at":"2026-05-27T08:21:56.253757+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Synchrony Dec net charge-off rate rises to 6.9% (adj. 6.7%) from 5.7% YoY; delinquency flat 4.7%","bullets":["Period-end loan receivables $104.7B at Dec 31, 2024, up from $103.0B a year earlier.","30+ day delinquency rate unchanged at 4.7% YoY, reflecting impact of credit actions.","Net charge-off rate of 6.9% (annualized) for Dec 2024, compared to 5.7% in Dec 2023.","Adjusted net charge-off rate increased to 6.7% from 5.6% YoY.","Higher charge-offs driven by moderation in customer payment rates and four additional charge-off cycles in December."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000042","json":"https://secwatch.observer/filing/0001601712-25-000042.json","markdown":"https://secwatch.observer/filing/0001601712-25-000042.md","text":"https://secwatch.observer/filing/0001601712-25-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000042/0001601712-25-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000042/syf-20250128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:21:56.253757+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"}