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{"created_at":"2026-04-22T03:03:32.063787+00:00","dedupe_key":"signal_enriched:discovery_sec_filing_delta:0d46f417e24d9b5d","evidence_event_ids":["evt_3ff486688934"],"signal_type":"discovery_sec_filing_delta","source":"discovery_sec_filings","value":{"aggregator_url":"https://www.sec.gov/Archives/edgar/data/1601712/0001601712-26-000013.txt","as_of":"2026-04-22T03:03:32.063787+00:00","canonical_url":"https://www.sec.gov/Archives/edgar/data/1601712/0001601712-26-000013.txt","company":"Synchrony Financial","enrichment":{"aggregator_url":"https://www.sec.gov/Archives/edgar/data/1601712/0001601712-26-000013.txt","article_chars":4999,"article_truncated":true,"blocked_reason":null,"candidate_id":"sc_e51f6b6b8046732c","canonical_host":"sec.gov","canonical_is_aggregator":false,"canonical_url":"https://www.sec.gov/Archives/edgar/data/1601712/0001601712-26-000013.txt","content_type":"text/plain","enriched_at":"2026-04-22T03:22:34.957032+00:00","extraction_method":"trafilatura","fetched_description":"","fetched_title":"syf-20260421","final_url":"https://www.sec.gov/Archives/edgar/data/1601712/0001601712-26-000013.txt","html_truncated":true,"paywall_likely":false,"publisher_domain":"sec.gov","publisher_resolution":"canonical_url","requested_url":"https://www.sec.gov/Archives/edgar/data/1601712/0001601712-26-000013.txt","source_event_id":"evt_3ff486688934","source_quality":"high","status_code":200,"version":"signal_enrichment_v2"},"form_type":"8-K","fp":"87fb2dcdc444450b","kind":"sec_filing","published_at":"20260421","publisher_domain":"sec.gov","signal_understanding":{"analysis_basis":"article","claim_confidence":0.74,"dates_mentioned":["2026-04-21","2026-04-22","first quarter 2026","first quarter 2025","second quarter 2026","third quarter 2026","June 30, 2026","2026"],"entities":[{"asset_class":"equity","name":"Synchrony Financial","relevance":"high","symbol":"SYF","type":"issuer"},{"asset_class":"other","name":"Board of Directors","relevance":"high","symbol":"","type":"governance_body"},{"asset_class":"other","name":"Brian Doubles","relevance":"medium","symbol":"","type":"executive"},{"asset_class":"other","name":"Brian Wenzel","relevance":"medium","symbol":"","type":"executive"},{"asset_class":"other","name":"Fortune magazine","relevance":"low","symbol":"","type":"media"},{"asset_class":"other","name":"Great Place to Work","relevance":"low","symbol":"","type":"organization"},{"asset_class":"other","name":"Miracle Ear","relevance":"medium","symbol":"","type":"partner"},{"asset_class":"other","name":"Indian Motorcycle","relevance":"low","symbol":"","type":"partner"},{"asset_class":"other","name":"Harbor Freight Tools","relevance":"medium","symbol":"","type":"partner"},{"asset_class":"other","name":"CareCredit","relevance":"medium","symbol":"","type":"product"},{"asset_class":"other","name":"Walmart.com","relevance":"low","symbol":"","type":"partner_channel"},{"asset_class":"other","name":"Sam's Club","relevance":"low","symbol":"","type":"partner_channel"},{"asset_class":"other","name":"Figo","relevance":"low","symbol":"","type":"partner"},{"asset_class":"other","name":"Embrace","relevance":"low","symbol":"","type":"partner"}],"event_type":"earnings","information_gaps":["What specifically changed versus the prior known state is only partially inferable from the text: the prior repurchase program expiration date (June 30, 2026) and that the new program replaces it are stated, but no prior details of the new program beyond those replacement terms are provided.","The article text is truncated after \u201cNet interest income increased\u201d and does not include the full set of financial highlights/figures.","The provided context includes a filing date timestamp and also states \u201cFiled 20260421\u201d; the relationship between these two dates is not explained in the text.","No explicit guidance/forward-looking financial guidance figures are provided in the excerpt beyond qualitative CEO/CFO commentary."],"key_facts":["Synchrony Financial filed a Form 8-K (SEC filing date shown as 2026-04-22T03:03:32.063787+00:00 in provided context; article text indicates filed 20260421).","First-quarter 2026 net earnings were $805 million, or $2.27 per diluted share, compared with $757 million, or $1.89 per diluted share in Q1 2025.","Board approved a new share repurchase program of up to $6.5 billion of common stock, commencing in Q2 2026 and not having an expiration date.","The new repurchase program replaces a prior program scheduled to expire on June 30, 2026.","Board approved a planned 13% increase in the quarterly cash dividend to $0.34 per share beginning in Q3 2026.","Purchase volume increased 6% to $43.0 billion.","Loan receivables were flat at $100.1 billion.","Average active accounts decreased 1% to 68.8 million.","Net interest margin increased 76 basis points to 15.50%.","Efficiency ratio increased 220 basis points to 35.6%.","Return on assets increased 20 basis points to 2.7%.","Return on equity increased 110 basis points to 19.5%.","Return on tangible common equity increased 210 basis points to 24.5%.","Book value per share increased 12% to $45.29; tangible book value per share increased 8% to $37.62.","Business highlights included adding/renewing more than 15 partners in the quarter and specific partner/product expansions (e.g., CareCredit acceptance at Walmart.com; CareCredit pet insurance partnerships enabling reimbursements back to CareCredit accounts for more than 1.7 million pets)."],"numeric_claims":[{"label":"Q1 2026 net earnings","value":"$805 million"},{"label":"Q1 2026 diluted EPS","value":"$2.27"},{"label":"Q1 2025 net earnings","value":"$757 million"},{"label":"Q1 2025 diluted EPS","value":"$1.89"},{"label":"Share repurchase program size","value":"up to $6.5 billion"},{"label":"Repurchase program start","value":"second quarter 2026"},{"label":"Prior repurchase program expiration","value":"June 30, 2026"},{"label":"Dividend increase","value":"13%"},{"label":"Quarterly cash dividend (post-increase)","value":"$0.34 per share"},{"label":"Dividend start","value":"third quarter 2026"},{"label":"Purchase volume (Q1 2026)","value":"$43.0 billion"},{"label":"Purchase volume growth","value":"6%"},{"label":"Loan receivables","value":"$100.1 billion"},{"label":"Average active accounts","value":"68.8 million"},{"label":"Average active accounts change","value":"-1%"},{"label":"Net interest margin","value":"15.50%"},{"label":"Net interest margin change","value":"+76 basis points"},{"label":"Efficiency ratio","value":"35.6%"},{"label":"Efficiency ratio change","value":"+220 basis points"},{"label":"Return on assets","value":"2.7%"},{"label":"Return on assets change","value":"+20 basis points"},{"label":"Return on equity","value":"19.5%"},{"label":"Return on equity change","value":"+110 basis points"},{"label":"Return on tangible common equity","value":"24.5%"},{"label":"Return on tangible common equity change","value":"+210 basis points"},{"label":"Book value per share","value":"$45.29"},{"label":"Book value per share change","value":"+12%"},{"label":"Tangible book value per share","value":"$37.62"},{"label":"Tangible book value per share change","value":"+8%"}],"primary_claim":"Synchrony\u2019s Board approved a new share repurchase program of up to $6.5 billion that begins in Q2 2026 and replaces a prior program scheduled to expire June 30, 2026.","relevance_score":0.78,"sentiment":"positive","source_quality":"high","summary":"Synchrony Financial (SYF) filed a Form 8-K reporting first-quarter 2026 results and key metrics, including net earnings of $805 million and a new $6.5 billion share repurchase program. The filing also announces a planned 13% quarterly cash dividend increase beginning in Q3 2026.","topics":["Form 8-K","first quarter 2026 results","share repurchase program","dividend increase","purchase volume","loan receivables","net interest margin","efficiency ratio","credit discipline","partner/merchant highlights","CareCredit expansion"]},"source":"sec_edgar","source_domain":"sec.gov","summary":"Form 8-K \u00b7 Synchrony Financial \u00b7 Filed 20260421","ticker":"SYF","tickers":["SYF"],"title":"SYF filed 8-K","url":"https://www.sec.gov/Archives/edgar/data/1601712/0001601712-26-000013.txt"}}

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