Synchrony Financial (SYF) director discloses 660 RSUs and share holdings

Rhea-AI Filing Summary

Synchrony Financial director reports stock-based award and holdings

A Synchrony Financial director reported receiving 660 shares of common stock as a stock-based award on 12/31/2025 at a price of $83.43 per share. These are in the form of restricted stock units that will vest in full on December 31, 2026, with each unit representing a contingent right to receive one share of Synchrony Financial common stock.

Following this grant, the director beneficially owns 38,734 shares directly and 34,106 shares indirectly through Guthrie 2012 Investments LP, where he is the investment manager and disclaims beneficial ownership except for his direct pecuniary interest.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider GUTHRIE ROY A

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	660	$83.43	$55K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 38,734 shares (Direct); Common Stock — 34,106 shares (Indirect, See footnote)

Footnotes (1)

1. Represents restricted stock units that will vest in full on December 31, 2026. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock. 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.

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^*

GUTHRIE ROY A

(Last) (First) (Middle)

C/O SYNCHRONY FINANCIAL

777 LONG RIDGE ROAD

(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)
12/31/2025

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	12/31/2025(1)		A		660	A	$83.43	38,734	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 December 31, 2026. 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	01/05/2026
	** 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.

FAQ

What insider transaction did Synchrony Financial (SYF) report in this Form 4?

A director reported acquiring 660 restricted stock units of Synchrony Financial common stock on 12/31/2025 as a stock-based award.

At what price were the Synchrony Financial (SYF) shares recorded in the Form 4 transaction?

The 660 shares tied to the restricted stock units were recorded at a price of $83.43 per share.

When do the reported restricted stock units for Synchrony Financial (SYF) vest?

The filing states that the restricted stock units will vest in full on December 31, 2026.

How many Synchrony Financial (SYF) shares does the director directly own after this transaction?

After the reported transaction, the director beneficially owns 38,734 shares of Synchrony Financial common stock directly.

What is Guthrie 2012 Investments LP’s relationship to Synchrony Financial (SYF) shares?

Guthrie 2012 Investments LP owns 34,106 shares of Synchrony Financial common stock. The director is its investment manager and disclaims beneficial ownership of these shares except for his direct pecuniary interest.

What is the reporting person’s role at Synchrony Financial (SYF)?

The reporting person is identified as a Director of Synchrony Financial in the filing.

Was the Synchrony Financial (SYF) Form 4 filed for one or multiple reporting persons?

The document indicates it is a Form filed by one reporting person.