{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000021","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-05-14T21:38:25+00:00","discovered_at":"2026-05-15T10:05:00.280945+00:00","generated_at":"2026-05-15T10:05:51.834679+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Synchrony Financial April 2026 credit metrics: net charge-off rate falls to 5.5% from 6.3% YoY","bullets":["Period-end loan receivables of $100.9B, up from $99.5B in April 2025.","30+ day delinquency rate 4.3%, flat compared to 4.3% a year earlier.","Net charge-off rate (annualized) 5.5%, down from 6.3% in April 2025.","Adjusted net charge-off rate 5.6%, also down from 6.3% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000021","json":"https://secwatch.observer/filing/0001601712-26-000021.json","markdown":"https://secwatch.observer/filing/0001601712-26-000021.md","text":"https://secwatch.observer/filing/0001601712-26-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000021/0001601712-26-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000021/syf-20260515.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T10:05:51.834679+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"}