{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000256","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-10-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.883849+00:00","generated_at":"2026-05-17T03:44:15.970823+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 Q3 net earnings $1.1B ($2.86 EPS) vs $789M; purchase volume up 2%, credit metrics improve","bullets":["Net earnings $1.077B ($2.86 diluted EPS), up 37% YoY from $789M ($1.94).","Purchase volume +2% to $46.0B; loan receivables -2% to $100.2B; net interest margin +58bps to 15.62%.","Net charge-offs 5.16% (down 90bps YoY); 30+ day delinquencies 4.39% (down 39bps).","Board approved incremental $1.0B buyback; total repurchase authorization $2.1B through June 2026.","Returned $971M in capital ($861M buybacks, $110M dividends); CET1 ratio 13.7%."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000256","json":"https://secwatch.observer/filing/0001601712-25-000256.json","markdown":"https://secwatch.observer/filing/0001601712-25-000256.md","text":"https://secwatch.observer/filing/0001601712-25-000256.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000256/0001601712-25-000256-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000256/syf-20251015.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:44:15.970823+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"}