{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000003","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.600883+00:00","generated_at":"2026-05-16T07:31:51.324439+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Synchrony Q4 net earnings $751M ($2.04 EPS); credit quality improves, capital returns $1.1B","bullets":["Net earnings down 3% YoY to $751M; diluted EPS up 6.8% to $2.04 on lower share count.","Net charge-offs improved 108 bps to 5.37%; 30+ day delinquencies down 21 bps to 4.49%.","Purchase volume up 3% to $49.5B; loan receivables down 1% to $103.8B.","Returned $1.1B to shareholders ($952M buybacks, $106M dividends); $1.2B remaining authorization.","Efficiency ratio rose 360 bps to 36.9% on $67M restructuring charge for early retirement program."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000003","json":"https://secwatch.observer/filing/0001601712-26-000003.json","markdown":"https://secwatch.observer/filing/0001601712-26-000003.md","text":"https://secwatch.observer/filing/0001601712-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000003/0001601712-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000003/syf-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:31:51.324439+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"}