{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000229","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.464350+00:00","generated_at":"2026-05-18T04:18:19.807489+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Synchrony Financial June credit metrics improve; delinquencies at 4.2%, net charge-offs at 5.8%","bullets":["Period-end loan receivables $99.8B at June 30, 2025, down 2.4% YoY from $102.3B.","30+ delinquency rate improved to 4.2% from 4.5% in June 2024.","Net charge-off rate (annualized) was 5.8% in June 2025 vs 6.1% a year ago.","Adjusted net charge-off rate (non-GAAP) was 5.7% vs 6.1% YoY.","Loan receivables held for sale of $0.2B recorded at June 30, 2025 (none prior month)."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000229","json":"https://secwatch.observer/filing/0001601712-25-000229.json","markdown":"https://secwatch.observer/filing/0001601712-25-000229.md","text":"https://secwatch.observer/filing/0001601712-25-000229.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000229/0001601712-25-000229-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000229/syf-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:18:19.807489+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"}