Synchrony Financial awards Guthrie 846 stock units

The units represent contingent rights to common stock and are scheduled to vest in full on September 30, 2027.

Rhea-AI Filing Summary

Synchrony Financial director Roy A. Guthrie acquired 846 restricted stock units on September 30, 2026, reported at $70.97 per share. The units vest in full on September 30, 2027; each represents a contingent right to receive one share of Synchrony Financial common stock. His reported direct position following the award was 41,701 shares. Separately, Guthrie 2012 Investments LP owns 34,106 shares of common stock; Guthrie is its Investment Manager and disclaims beneficial ownership except to the extent of his direct pecuniary interest.

Insider Trade Summary

Grant/Award: 846 shares

Grant/Award 2 txns

Insider GUTHRIE ROY A

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	846	$70.97	$60K
holding	Common Stock F2	--	--	--

Holdings After Transaction: Common Stock — 41,701 shares (Direct); Common Stock — 34,106 shares (Indirect, See footnote)

Footnotes (2)

1. F1. Represents restricted stock units that will vest in full on September 30, 2027. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock.
2. F2. Mr. Guthrie is the Investment Manager of Guthrie 2012 Investments LP, which owns 34,106 shares of common stock. Mr. Guthrie disclaims beneficial ownership of the shares of common stock held by Guthrie 2012 Investments LP, except to the extent of his direct pecuniary interest therein.

Key Figures

Restricted stock units awarded: 846 units Reported price per share: $70.97 per share Direct position following award: 41,701 shares +1 more

4 metrics

Restricted stock units awarded 846 units Awarded September 30, 2026

Reported price per share $70.97 per share September 30, 2026 award

Direct position following award 41,701 shares Reported after the September 30, 2026 award

Shares owned by Guthrie 2012 Investments LP 34,106 shares Common stock

Key Terms

restricted stock units, contingent right, beneficial ownership, direct pecuniary interest

4 terms

restricted stock units financial

"Represents restricted stock units that will vest in full"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

contingent right technical

"Each restricted stock unit represents a contingent right"

beneficial ownership regulatory

"Mr. Guthrie disclaims beneficial ownership"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

direct pecuniary interest regulatory

"except to the extent of his direct pecuniary interest therein"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many SYF restricted stock units did director Roy A. Guthrie receive, and when do they vest?

Roy A. Guthrie acquired 846 restricted stock units on September 30, 2026. They vest in full on September 30, 2027, and each unit represents a contingent right to receive one share of Synchrony Financial common stock.

How many SYF shares does Guthrie 2012 Investments LP own?

Guthrie 2012 Investments LP owns 34,106 shares of common stock. Roy A. Guthrie is the partnership's Investment Manager and disclaims beneficial ownership except to the extent of his direct pecuniary interest.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/02/2026 - 04:09 PM Accepted by SEC EDGAR 10/02/2026 - 04:09 PM Learn about SEC filing dates

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).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

GUTHRIE ROY A

(Last) (First) (Middle)

C/O SYNCHRONY FINANCIAL

777 LONG RIDGE ROAD

(Street)

STAMFORD CONNECTICUT 06902

(City) (State) (Zip)

UNITED STATES

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2026

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

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

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

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	09/30/2026(1)		A		846	A	$70.97	41,701	D
Common Stock								34,106	I	See footnote(2)

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, 2027. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock.

2. Mr. Guthrie is the Investment Manager of Guthrie 2012 Investments LP, which owns 34,106 shares of common stock. Mr. Guthrie disclaims beneficial ownership of the shares of common stock held by Guthrie 2012 Investments LP, except to the extent of his direct pecuniary interest therein.

Remarks:

	/s/ Danielle Do, as attorney in fact	10/02/2026
	** 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.
* Form 4: SEC 1474 (03-26)