Synchrony Financial (SYF) director receives 1,343 restricted stock units

Rhea-AI Filing Summary

Synchrony Financial director Jeffrey G. Naylor received an equity award of 1,343 shares of common stock in the form of restricted stock units. The award is valued at $68.02 per share on the grant date and increases his direct holdings to 64,020 shares.

The restricted stock units will vest in full on March 31, 2027, at which time each unit will convert into one share of Synchrony Financial common stock if the vesting conditions are met. This is a compensation-related, non-market acquisition rather than an open-market purchase.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider NAYLOR JEFFREY G

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,343	$68.02	$91K

Holdings After Transaction: Common Stock — 64,020 shares (Direct)

Footnotes (1)

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Key Figures

Restricted stock units granted: 1,343 shares Grant valuation price: $68.02 per share Total shares after transaction: 64,020 shares +1 more

4 metrics

Restricted stock units granted 1,343 shares Equity award to director Jeffrey G. Naylor

Grant valuation price $68.02 per share Reported value for the 1,343 restricted stock units

Total shares after transaction 64,020 shares Naylor’s direct holdings following the award

Vesting date March 31, 2027 Date when all 1,343 restricted stock units vest

Key Terms

restricted stock units, contingent right, Common Stock

3 terms

restricted stock units financial

"Represents restricted stock units that will vest in full on March 31, 2027."

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 financial

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

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).

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^*

NAYLOR JEFFREY G

(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)
03/31/2026

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	03/31/2026(1)		A		1,343	A	$68.02	64,020	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 March 31, 2027. 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	04/02/2026
	** 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)

FAQ

What insider transaction did Synchrony Financial (SYF) report for Jeffrey G. Naylor?

Synchrony Financial reported that director Jeffrey G. Naylor received an award of 1,343 restricted stock units of common stock. These units are a form of equity compensation and are not an open-market share purchase or sale.

How many shares did Jeffrey G. Naylor hold after this Form 4 transaction at SYF?

After the grant of 1,343 restricted stock units, Jeffrey G. Naylor’s direct holdings totaled 64,020 shares of Synchrony Financial common stock. This figure reflects his position following the reported compensation-related equity award.

At what price was the restricted stock unit award valued for Synchrony Financial (SYF)?

The restricted stock unit award to Jeffrey G. Naylor was valued at $68.02 per share. This price is used for reporting purposes and helps indicate the approximate value of the 1,343-share equity grant on the transaction date.

When do Jeffrey G. Naylor’s restricted stock units at Synchrony Financial (SYF) vest?

Jeffrey G. Naylor’s 1,343 restricted stock units will vest in full on March 31, 2027. On that date, each unit is scheduled to convert into one share of Synchrony Financial common stock, assuming all vesting conditions are satisfied.

What does the restricted stock unit award mean for Synchrony Financial (SYF) shareholders?

The award represents routine equity compensation for director Jeffrey G. Naylor, granting 1,343 restricted stock units. It modestly increases potential future share count when units vest in 2027 but does not involve any immediate open-market buying or selling activity.