{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000139","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.969373+00:00","generated_at":"2026-05-23T09:18:20.754506+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Synchrony March 2025 credit metrics: 30+ delinquency 4.5%, net charge-off 6.2%","bullets":["Period-end loan receivables $99.6B at March 31, 2025, down from $100.1B in Feb 2025.","30+ delinquency rate fell to 4.5% from 4.7% in Feb 2025 and 4.7% a year ago.","Net charge-off rate was 6.2% (annualized), vs 6.8% in Feb 2025 and 6.6% in Mar 2024.","Adjusted net charge-off rate also 6.2%, with zero recovery adjustment for March."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000139","json":"https://secwatch.observer/filing/0001601712-25-000139.json","markdown":"https://secwatch.observer/filing/0001601712-25-000139.md","text":"https://secwatch.observer/filing/0001601712-25-000139.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000139/0001601712-25-000139-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000139/syf-20250422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:18:20.754506+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"}