{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000013","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.573009+00:00","generated_at":"2026-05-15T05:06:44.548075+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Synchrony Q1 EPS $2.27 beats $1.89 YoY; announces $6.5B buyback, 13% dividend hike","bullets":["Net earnings $805M ($2.27 diluted EPS) vs $757M ($1.89) in Q1 2025.","Purchase volume up 6% to $43.0B; loan receivables flat at $100.1B.","Net charge-offs improved 96 bps to 5.42% of avg loans.","New $6.5B share repurchase program with no expiration replaces prior program.","Board approves 13% dividend increase to $0.34/share starting Q3 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000013","json":"https://secwatch.observer/filing/0001601712-26-000013.json","markdown":"https://secwatch.observer/filing/0001601712-26-000013.md","text":"https://secwatch.observer/filing/0001601712-26-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000013/0001601712-26-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000013/syf-20260421.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:06:44.548075+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":[{"claim_id":"deb0d0b3dd8f717e64184229b29ed644150c7c69","claim":"Synchrony Financial reported first quarter 2026 results: net income $805 million, EPS $2.27 per diluted share.","evidence_excerpt":"Synchrony Financial (NYSE: SYF) today announced first quarter 2026 net earnings of $805 million, or $2.27 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000013/0001601712-26-000013-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2026"},{"label":"Net income","value":"$805 million"},{"label":"EPS","value":"$2.27 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}