{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-25-000264","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2025-12-09T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.884496+00:00","generated_at":"2026-05-16T13:47:48.291148+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Synchrony Nov 2025 credit stats: 30+ delinquency 4.5% (flat MoM, -40bp YoY), net charge-off 5.6%","bullets":["Period-end loan receivables $101.7B, up from $100.4B in Oct and down from $102.9B a year ago.","30+ delinquency rate 4.5%, unchanged from Oct and improved from 4.9% in Nov 2024.","Net charge-off rate 5.6% (annualized), up from 5.0% in Oct but down from 6.2% a year ago.","Adjusted net charge-off rate (non-GAAP) 5.4%, compared to 5.3% in Oct and 6.2% in Nov 2024.","Recovery adjustment of -0.2% this month reflects quarterly recovery allocation."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-25-000264","json":"https://secwatch.observer/filing/0001601712-25-000264.json","markdown":"https://secwatch.observer/filing/0001601712-25-000264.md","text":"https://secwatch.observer/filing/0001601712-25-000264.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000264/0001601712-25-000264-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171225000264/syf-20251209.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T13:47:48.291148+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"}