{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000153","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-05-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.969642+00:00","generated_at":"2026-05-21T05:05:12.157944+00:00","sec_items":["7.01","9.01"],"event_type":"other","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"confidence":"high","headline":"Synchrony reports Apr 2025 30+ delinquency rate 4.3%, net charge-off rate 6.3%","bullets":["Period-end loan receivables $99.5B, down from $101.6B year-over-year.","30+ delinquency rate improved to 4.3% from 4.6% in Apr 2024.","Net charge-off rate 6.3% (annualized), down from 6.7% in Apr 2024.","Adjusted net charge-off rate (non-GAAP) also 6.3% for Apr 2025.","Average loan receivables in Apr 2025 were $99.1B."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000153","json":"https://secwatch.observer/filing/0001601712-25-000153.json","markdown":"https://secwatch.observer/filing/0001601712-25-000153.md","text":"https://secwatch.observer/filing/0001601712-25-000153.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000153/0001601712-25-000153-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000153/syf-20250515.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-21T05:05:12.157944+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"}