{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000010","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-03-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.601927+00:00","generated_at":"2026-05-15T16:38:55.113884+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 Feb 2026 charge-off rate 5.8%, down from 6.8% YoY; delinquency steady at 4.7%","bullets":["Net charge-off rate for Feb 2026 was 5.8% (annualized), vs 6.8% in Feb 2025 but up from 4.7% in Jan 2026.","30+ delinquency rate of 4.7% as of Feb 28, 2026, unchanged from a year ago; increased from 4.6% as of Jan 31, 2026.","Period-end loan receivables $99.9B, vs $100.1B in Feb 2025; average loan receivables $100.7B."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000010","json":"https://secwatch.observer/filing/0001601712-26-000010.json","markdown":"https://secwatch.observer/filing/0001601712-26-000010.md","text":"https://secwatch.observer/filing/0001601712-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000010/0001601712-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000010/syf-20260310.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T16:38:55.113884+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"}