{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000249","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-08-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.464720+00:00","generated_at":"2026-05-17T12:24:20.763646+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"confidence":"high","headline":"Synchrony reports July 2025 credit metrics: 30+ delinquency 4.2%, net charge-off rate 5.1%","bullets":["Period-end loan receivables of $100.3B, down from $104.7B in Dec 2024; held for sale $0.2B.","30+ delinquency rate stable at 4.2% (June 4.2%, July 2024 4.6%).","Net charge-off rate (annualized) of 5.1%, improved from 5.8% in June and 6.2% in July 2024.","Adjusted net charge-off rate of 5.1% after recovery allocation; credit quality trending favorably.","Average loan receivables (incl. held for sale) of $99.7B for the month."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000249","json":"https://secwatch.observer/filing/0001601712-25-000249.json","markdown":"https://secwatch.observer/filing/0001601712-25-000249.md","text":"https://secwatch.observer/filing/0001601712-25-000249.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000249/0001601712-25-000249-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000249/syf-20250815.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T12:24:20.763646+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"}