{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000251","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-09-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.464864+00:00","generated_at":"2026-05-17T07:00:03.547266+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"confidence":"high","headline":"Synchrony Aug 2025 credit: 30+ delinquencies 4.3%, net charge-off 5.1% YoY improvement","bullets":["Period-end loan receivables $100.2B, down from $102.5B in Aug 2024.","30+ delinquency rate 4.3% as of Aug 31, 2025, vs 4.6% a year earlier.","Net charge-off rate (annualized) 5.1% for Aug 2025, down from 5.6% in Aug 2024.","Adjusted net charge-off rate 5.3% vs 5.7% prior year, reflecting improved credit."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000251","json":"https://secwatch.observer/filing/0001601712-25-000251.json","markdown":"https://secwatch.observer/filing/0001601712-25-000251.md","text":"https://secwatch.observer/filing/0001601712-25-000251.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000251/0001601712-25-000251-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000251/syf-20250910.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T07:00:03.547266+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"}