Synchrony Financial (SYF) officer sells 8,436 shares under 10b5-1 plan

Rhea-AI Filing Summary

Synchrony Financial officer Curtis Howse reported an open-market sale of 8,436 shares of Synchrony Financial common stock on May 1, 2026 at $76.55 per share. The sale was made under a pre-arranged Rule 10b5-1 trading plan adopted on July 24, 2025. After this transaction, Howse directly holds 86,437 shares of Synchrony Financial common stock.

Insider Trade Summary 10b5-1

Net Seller: 8,436 shares ($645,776)

Net Sell 1 txn

Insider Howse Curtis

Role See remarks

Sold 8,436 shs ($646K)

Type	Security	Shares	Price	Value
Sale	Common Stock	8,436	$76.55	$646K

Holdings After Transaction: Common Stock — 86,437 shares (Direct, null)

Footnotes (1)

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Key Figures

Shares sold: 8,436 shares Sale price per share: $76.55 per share Shares owned after transaction: 86,437 shares +1 more

4 metrics

Shares sold 8,436 shares Open-market sale on May 1, 2026

Sale price per share $76.55 per share Price for Synchrony Financial common stock in the sale

Shares owned after transaction 86,437 shares Direct holdings of Curtis Howse after the sale

Net shares sold 8,436 shares Net-sell direction per transaction summary

Key Terms

Rule 10b5-1 trading plan, open-market sale, Common Stock

3 terms

Rule 10b5-1 trading plan regulatory

"This transaction was made pursuant to a Rule 10b5-1 trading plan"

A Rule 10b5-1 trading plan is a pre-arranged schedule that allows company insiders to buy or sell stock at specific times, even if they have inside information. It helps prevent accusations of unfair trading by making these transactions look planned and transparent, rather than sneaky or illegal.

open-market sale financial

"transaction_action: open-market sale"

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

Common Stock financial

"security_title: Common Stock"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

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).

X

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^*

Howse Curtis

(Last) (First) (Middle)

777 LONG RIDGE ROAD

C/O CORPORATE SECRETARY

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

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	05/01/2026		S		8,436(1)	D	$76.55	86,437	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. This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on July 24, 2025.

Remarks:

EVP, CEO--Home & Auto

	/s/ Danielle Do as attorney in fact	05/05/2026
	** 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)

FAQ

What insider transaction did Synchrony Financial (SYF) report for Curtis Howse?

Synchrony Financial reported that officer Curtis Howse executed an open-market sale of company common stock. On May 1, 2026, he sold 8,436 shares of Synchrony Financial common stock as disclosed in a Form 4 insider trading report.

How many Synchrony Financial (SYF) shares did Curtis Howse sell and at what price?

Curtis Howse sold 8,436 shares of Synchrony Financial common stock at a price of $76.55 per share. This was an open-market sale, meaning the shares were sold on the public market rather than through a private transaction.

How many Synchrony Financial (SYF) shares does Curtis Howse hold after the sale?

Following the reported transaction, Curtis Howse directly owns 86,437 shares of Synchrony Financial common stock. This figure reflects his post-transaction holdings as disclosed in the Form 4 filing, providing context for the size of the sale relative to his remaining stake.

Was the Synchrony Financial (SYF) insider sale by Curtis Howse pre-planned?

Yes. The Form 4 states that the transaction was made under a Rule 10b5-1 trading plan adopted on July 24, 2025. Such plans pre-schedule trades, helping demonstrate that the timing of the sale was pre-arranged rather than based on short-term market movements.

What type of security did Curtis Howse trade in Synchrony Financial (SYF)?

Curtis Howse traded Common Stock of Synchrony Financial. The Form 4 indicates an open-market sale of this non-derivative security type, meaning he sold actual shares of common stock rather than options, warrants, or other derivative instruments.