{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000138","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.969100+00:00","generated_at":"2026-05-23T09:18:14.900329+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Synchrony Q1 net earnings $757M ($1.89 EPS); board raises dividend 20%, authorizes $2.5B buyback","bullets":["Net earnings $757M ($1.89 diluted EPS) vs $1.3B ($3.14) last year; adjusted EPS up 54% vs $1.18 prior (ex-Pets Best).","Board raised quarterly dividend 20% to $0.30 per share; authorized $2.5B share repurchase through June 2026.","Purchase volume down 4% to $40.7B; loan receivables down 2% to $99.6B; net interest margin up 19 bps to 14.74%.","Credit quality: 30+ days past due improved to 4.52% (down 22 bps); net charge-offs 6.38% (up 7 bps).","Fitch upgraded Synchrony's long-term IDR to 'BBB' with stable outlook."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000138","json":"https://secwatch.observer/filing/0001601712-25-000138.json","markdown":"https://secwatch.observer/filing/0001601712-25-000138.md","text":"https://secwatch.observer/filing/0001601712-25-000138.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000138/0001601712-25-000138-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000138/syf-20250422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:18:14.900329+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"}