{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000023","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-06-08T21:45:15+00:00","discovered_at":"2026-06-09T10:05:00.301680+00:00","generated_at":"2026-06-09T10:09:25.667645+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Synchrony reports May 2026 net charge-off rate of 5.5%, up from 5.1% year ago","bullets":["Period-end loan receivables $101.7B, up from $99.9B in May 2025.","30+ day delinquency rate stable at 4.2% vs 4.2% a year earlier.","Adjusted net charge-off rate 5.4% vs 5.2% in May 2025.","Net charge-off rate increased 40 bps YoY to 5.5%.","Average loan receivables $100.6B in May 2026 vs $99.2B in May 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000023","json":"https://secwatch.observer/filing/0001601712-26-000023.json","markdown":"https://secwatch.observer/filing/0001601712-26-000023.md","text":"https://secwatch.observer/filing/0001601712-26-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000023/0001601712-26-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000023/syf-20260609.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T10:09:25.667645+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"}