{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000257","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-10-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.884083+00:00","generated_at":"2026-05-17T03:44:19.248898+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"confidence":"high","headline":"Synchrony Sep 2025 net charge-off rate 5.3%, 30+ delinquency 4.4%","bullets":["Period-end loan receivables $100.2B, down from $102.2B in Sep 2024.","30+ delinquency rate 4.4% vs 4.8% a year ago, improving 40 bps YoY.","Net charge-off rate 5.3% (annualized) vs 6.4% in Sep 2024, down 110 bps.","Adjusted net charge-off rate 5.1% vs 6.2% in Sep 2024, also improved.","Loan receivables held for sale $0.2B, unchanged from prior two months."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000257","json":"https://secwatch.observer/filing/0001601712-25-000257.json","markdown":"https://secwatch.observer/filing/0001601712-25-000257.md","text":"https://secwatch.observer/filing/0001601712-25-000257.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000257/0001601712-25-000257-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000257/syf-20251015.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:44:19.248898+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"}