{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000262","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.884298+00:00","generated_at":"2026-05-16T21:12:27.176396+00:00","sec_items":["7.01","9.01"],"event_type":"other","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Synchrony Oct credit stats: 30+ delinquency 4.5%, adj. NCO 5.3%","bullets":["Period-end loans $100.4B vs $100.2B in Sep; 30+ delinquency 4.5% (Sep: 4.4%, Oct 2024: 4.9%).","Net charge-off rate (annualized) 5.0% vs 5.3% in Sep and 6.2% year ago.","Adjusted net charge-off rate 5.3% vs 5.1% in Sep; recovery adjustment added 0.3%.","Charge-off cycle dates varied: credit card portfolio had 28 dates in Oct vs 28 in Sep."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000262","json":"https://secwatch.observer/filing/0001601712-25-000262.json","markdown":"https://secwatch.observer/filing/0001601712-25-000262.md","text":"https://secwatch.observer/filing/0001601712-25-000262.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000262/0001601712-25-000262-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000262/syf-20251112.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T21:12:27.176396+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"}