{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000037","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-09-11T21:35:58+00:00","discovered_at":"2026-09-14T10:05:00.370364+00:00","generated_at":"2026-09-14T10:06:11.000992+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"confidence":"high","headline":"Synchrony Aug 2026 credit stats: 30+ delinquency 4.2%, NCO rate 4.9%, loans $103.0B","bullets":["Period-end loan receivables $103.0B at Aug 31, 2026, up from $100.2B a year earlier.","30+ delinquency rate 4.2% (July 4.2%, Aug 2025 4.3%); stable over trailing year.","Net charge-off rate 4.9% (July 4.7%, Aug 2025 5.1%); adjusted NCO rate 4.9%.","Average loan receivables $102.3B; held-for-sale loan receivables $0.","Monthly charge-off cycle dates vary by calendar; Aug 2026 had 28 dates for card receivables."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000037","json":"https://secwatch.observer/filing/0001601712-26-000037.json","markdown":"https://secwatch.observer/filing/0001601712-26-000037.md","text":"https://secwatch.observer/filing/0001601712-26-000037.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000037/0001601712-26-000037-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000037/syf-20260914.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-09-14T10:06:11.000992+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"}