SYF director reports 775 RSU grant at $71.05; vesting 09/30/2026

Rhea-AI Filing Summary

Kamila K. Chytil, a director of Synchrony Financial (SYF), reported on Form 4 that she acquired 775 restricted stock units (RSUs) on 09/30/2025 at a reported price of $71.05 per share-equivalent. The filing states the RSUs will vest in full on 09/30/2026, and each RSU represents a contingent right to one share of common stock. Following the reported acquisition, the filing lists total beneficial ownership of 15,543 shares. The Form 4 was signed by an attorney-in-fact on 10/02/2025.

Positive

• Director acquired 775 RSUs, showing alignment with shareholders
• Post-transaction beneficial ownership reported as 15,543 shares, increasing transparency

Negative

• None.

Insights

Corporate Governance Specialist

Director acquired time‑vested RSUs, increasing reported beneficial ownership.

This report documents a grant-based acquisition of 775 RSUs that vest on 09/30/2026, which is a standard form of equity compensation for directors. The filing shows continued alignment of the director's interests with shareholders through equity ownership.

Because the RSUs are subject to a one-year vesting schedule, the transaction represents deferred compensation rather than an immediate sale or exercise; the shares are contingent until vesting.

Insider Trading / Compliance Analyst

Form 4 properly discloses the RSU grant, execution date, and post-transaction ownership.

The filing reports a 09/30/2025 transaction date, a reported price of $71.05, and post-transaction ownership of 15,543 shares, meeting disclosure elements required by Section 16. The signature by an attorney-in-fact on 10/02/2025 is included.

There are no disclosed sales, exercises, or dispositions in this filing; it records an acquisition of contingent stock units only.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Chytil Kamila K

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	775	$71.05	$55K

Holdings After Transaction: Common Stock — 15,543 shares (Direct)

Footnotes (1)

1. [object Object]

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

Chytil Kamila K

(Last) (First) (Middle)

777 LONG RIDGE ROAD

C/O CORPORATE SECRETARY

(Street)

STAMFORD CT 06902

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Synchrony Financial [ SYF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/30/2025(1)		A		775	A	$71.05	15,543	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents restricted stock units that will vest in full on September 30, 2026. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock.

Remarks:

	/s/ Danielle Do as attorney in fact	10/02/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did the Synchrony (SYF) Form 4 filed by Kamila K. Chytil report?

The Form 4 reports the acquisition of 775 restricted stock units (RSUs) on 09/30/2025 at a reported price of $71.05, with total beneficial ownership listed as 15,543 shares.

When will the reported RSUs vest for the SYF director?

The filing states the RSUs will vest in full on 09/30/2026.

Does the Form 4 show any sales or dispositions by the director?

No. The filing records an acquisition (A) of RSUs only; there are no dispositions reported.

Who signed the Form 4 and when was it signed?

The Form 4 was signed by /s/ Danielle as attorney-in-fact on 10/02/2025.

How many shares does each restricted stock unit represent?

Each RSU represents a contingent right to receive one share of Synchrony Financial common stock upon vesting.