{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000035","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-08-14T21:37:57+00:00","discovered_at":"2026-08-17T10:05:03.450369+00:00","generated_at":"2026-08-17T10:05:17.681546+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"confidence":"high","headline":"Synchrony July 2026 net charge-off rate 4.7%, 30+ delinquency 4.2%","bullets":["Period-end loan receivables $102.6B at July 31, 2026, up from $102.2B in June.","30+ delinquency rate 4.2% for third straight month, down from 4.5% in March 2026.","Net charge-off rate 4.7% in July, down from 5.3% in June; adjusted rate 4.9%.","Recovery adjustment added 0.2% to July net charge-off rate; 28 charge-off cycle dates in July 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000035","json":"https://secwatch.observer/filing/0001601712-26-000035.json","markdown":"https://secwatch.observer/filing/0001601712-26-000035.md","text":"https://secwatch.observer/filing/0001601712-26-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000035/0001601712-26-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000035/syf-20260817.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-17T10:05:17.681546+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"}