{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000030","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-07-21T10:00:35+00:00","discovered_at":"2026-07-21T10:05:00.249686+00:00","generated_at":"2026-07-21T10:05:07.213473+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Synchrony Q2 net earnings down 8% to $885M; record purchase volume $49.8B up 8%","bullets":["Net earnings $885M ($2.59 diluted EPS) vs $967M ($2.50) YoY; EPS up 3.6% on share repurchases.","Record purchase volume $49.8B (+8% YoY); loan receivables $102.2B (+2%); average active accounts flat at 68.3M.","Net charge-offs improved to 5.43% from 5.70% YoY; 30+ day delinquencies down 2bps to 4.16%.","Returned $950M in capital ($850M buybacks, $100M dividends); CET1 ratio 13.2% vs 14.2% prior year.","Added/renewed 15+ partners including Suzuki Motor, AmeriVet, Roto-Rooter; launched MyLowe's Pro Rewards AmEx."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000030","json":"https://secwatch.observer/filing/0001601712-26-000030.json","markdown":"https://secwatch.observer/filing/0001601712-26-000030.md","text":"https://secwatch.observer/filing/0001601712-26-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000030/0001601712-26-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000030/syf-20260721.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T10:05:07.213473+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"}