{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000046","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-02-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.154340+00:00","generated_at":"2026-05-27T00:02:53.633078+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"confidence":"high","headline":"Synchrony reports Jan 2025 charge-off rate 6.2%, delinquency rate 4.7%","bullets":["Period-end loan receivables $102.2B, up from $101.3B a year earlier.","30+ delinquency rate 4.7% (unchanged from Dec 2024, down from 4.9% in Jan 2024).","Net charge-off rate 6.2% (annualized), vs 5.8% in Jan 2024; adjusted rate also 6.2%.","Average loan receivables $102.8B for Jan 2025.","Credit card loans represent ~92% of total period-end receivables."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000046","json":"https://secwatch.observer/filing/0001601712-25-000046.json","markdown":"https://secwatch.observer/filing/0001601712-25-000046.md","text":"https://secwatch.observer/filing/0001601712-25-000046.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000046/0001601712-25-000046-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000046/syf-20250210.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T00:02:53.633078+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"}