{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000228","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.464220+00:00","generated_at":"2026-05-18T04:18:05.801787+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 Q2 net earnings $967M ($2.50 EPS) up 50% YoY; NIM expands, credit trends improve","bullets":["Diluted EPS $2.50 vs $1.55 YoY; net earnings $967M up 50.4%.","Net interest income $4.5B (+2.6% YoY); net revenue $3.65B (-1.8% from higher retailer share).","Net charge-off rate 5.70% vs 6.42% YoY (-72 bps); provision down 32% to $1.15B.","CET1 ratio 13.6% (up from 12.6%); returned $614M in capital including $500M buyback.","Renewed Amazon partnership with Synchrony Pay Later; announced OnePay to power Walmart credit card."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000228","json":"https://secwatch.observer/filing/0001601712-25-000228.json","markdown":"https://secwatch.observer/filing/0001601712-25-000228.md","text":"https://secwatch.observer/filing/0001601712-25-000228.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000228/0001601712-25-000228-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000228/syf-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:18:05.801787+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"}