{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000008","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-02-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.601407+00:00","generated_at":"2026-05-16T03:35:54.284295+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Synchrony January 2026: 30+ delinquency 4.6%, adjusted net charge-off 4.7%","bullets":["Period-end loan receivables $101.7B, down from $103.8B in December 2025.","30+ delinquency rate 4.6% vs 4.5% in Dec 2025 and 4.7% a year ago.","Net charge-off rate (annualized) 4.7%, down from 5.5% in Dec 2025.","Adjusted net charge-off rate 4.7%, vs 5.4% in Dec 2025 and 6.2% a year ago.","No loan receivables held for sale as of Jan 31, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000008","json":"https://secwatch.observer/filing/0001601712-26-000008.json","markdown":"https://secwatch.observer/filing/0001601712-26-000008.md","text":"https://secwatch.observer/filing/0001601712-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000008/0001601712-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000008/syf-20260210.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T03:35:54.284295+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"}