{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000114","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-03-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.154758+00:00","generated_at":"2026-05-24T15:39:03.863590+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Synchrony Financial Feb 2025 charge-off rate rises to 6.8%; delinquency steady at 4.7%","bullets":["Period-end loan receivables $100.1B, down from $102.2B in Jan 2025 and $100.0B in Feb 2024.","Net charge-off rate (annualized) 6.8% vs 6.2% in Jan 2025 and 6.5% a year ago.","30+ day delinquency rate 4.7%, unchanged from Jan 2025 vs 5.0% in Feb 2024.","Adjusted net charge-off rate (non-GAAP) also 6.8% after recovery adjustment."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000114","json":"https://secwatch.observer/filing/0001601712-25-000114.json","markdown":"https://secwatch.observer/filing/0001601712-25-000114.md","text":"https://secwatch.observer/filing/0001601712-25-000114.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000114/0001601712-25-000114-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000114/syf-20250317.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T15:39:03.863590+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"}