{"schema_version":"secwatch.filing_event.v1","accession":"0001601712-26-000041","form_type":"8-K","ticker":"SYF","cik":"0001601712","company_name":"Synchrony Financial","filed_at":"2026-10-20T10:03:07+00:00","discovered_at":"2026-10-20T10:05:00.162110+00:00","generated_at":"2026-10-20T10:05:04.877397+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"confidence":"high","headline":"Synchrony September net charge-off rate falls to 4.7% from 5.3% YoY; delinquency 4.3%","bullets":["Period-end loan receivables rose to $103.3B at Sep 30, 2026 from $100.2B a year earlier; average receivables were $102.7B vs $100.1B.","30+ day delinquency rate was 4.3% at Sep 30, 2026, versus 4.4% at Sep 30, 2025 and 4.2% at Aug 31, 2026.","Net charge-off rate was 4.7% in Sep 2026, down from 5.3% in Sep 2025; adjusted net charge-off rate was 4.6% vs 5.1%.","Recovery adjustment was -0.1% in Sep 2026; Synchrony notes charge-offs can vary with 25-30 cycle dates per month."],"urls":{"canonical":"https://secwatch.observer/filing/0001601712-26-000041","json":"https://secwatch.observer/filing/0001601712-26-000041.json","markdown":"https://secwatch.observer/filing/0001601712-26-000041.md","text":"https://secwatch.observer/filing/0001601712-26-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000041/0001601712-26-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000041/syf-20261020.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-20T10:05:04.877397+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"}