{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000004","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.601142+00:00","generated_at":"2026-05-16T07:31:46.946226+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Synchrony Dec 2025: loans $103.8B, 30+ delinquency 4.5%, adjusted net charge-off 5.4%","bullets":["Period-end loan receivables $103.8B at Dec 31, 2025, up from $101.7B in Nov 2025.","30+ delinquency rate unchanged at 4.5%, flat vs Nov 2025 and down from 4.7% a year ago.","Net charge-off rate (annualized) was 5.5% in Dec 2025 vs 5.6% in Nov 2025; adjusted rate 5.4%.","Adjusted net charge-off rate improved from Dec 2024's 6.7% to Dec 2025's 5.4%.","Recovery adjustment in Dec 2025 was (0.1)% vs (0.2)% in Nov 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000004","json":"https://secwatch.observer/filing/0001601712-26-000004.json","markdown":"https://secwatch.observer/filing/0001601712-26-000004.md","text":"https://secwatch.observer/filing/0001601712-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000004/0001601712-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000004/syf-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:31:46.946226+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"}