{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000014","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.573238+00:00","generated_at":"2026-05-15T05:06:48.535679+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Synchrony March credit stats: net charge-off 5.8%, 30+ delinquency 4.5%","bullets":["Period-end loan receivables $100.1B as of March 31, 2026, up from $99.6B a year ago.","Adjusted net charge-off rate of 5.8% improved YoY from 6.2% in March 2025.","30+ day delinquency rate unchanged at 4.5% versus March 2025; down from 4.7% in February 2026.","Average loan receivables for March were $99.3B, slightly below the $99.6B level in March 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000014","json":"https://secwatch.observer/filing/0001601712-26-000014.json","markdown":"https://secwatch.observer/filing/0001601712-26-000014.md","text":"https://secwatch.observer/filing/0001601712-26-000014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000014/0001601712-26-000014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000014/syf-20260421.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:06:48.535679+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"}