{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000198","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-06-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.970198+00:00","generated_at":"2026-05-19T15:42:43.302922+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Synchrony Financial May 2025 credit stats: net charge-off rate improves to 5.1% from 6.5% YoY","bullets":["Period-end loan receivables $99.9B vs $102.4B a year earlier, down $2.5B.","30+ day delinquency rate fell to 4.2% from 4.5% YoY, a 30 bps improvement.","Net charge-off rate (annualized) dropped 140 bps to 5.1% from 6.5% in May 2024.","Adjusted net charge-off rate also improved to 5.2% from 6.4% YoY.","Charge-off cycle dates varied; consumer credit card loans were ~92% of total receivables."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000198","json":"https://secwatch.observer/filing/0001601712-25-000198.json","markdown":"https://secwatch.observer/filing/0001601712-25-000198.md","text":"https://secwatch.observer/filing/0001601712-25-000198.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000198/0001601712-25-000198-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000198/syf-20250610.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-19T15:42:43.302922+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"}