Synchrony Financial (SYF) director adds 660 RSU-linked shares to holdings

Rhea-AI Filing Summary

Synchrony Financial reported an equity award to one of its directors. On 12/31/2025, the director acquired 660 shares of Synchrony Financial common stock at a price of $83.43 per share, reported as an acquisition of common stock. An accompanying note explains that this represents restricted stock units that will vest in full on December 31, 2026, with each unit converting into one share of common stock at vesting. After this transaction, the director beneficially owned 28,562 shares directly and 15,300 shares indirectly through family trusts.

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

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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^*

AGUIRRE FERNANDO

(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	28,562	D
Common Stock								15,300	I	By Family Trusts

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.

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) disclose in this Form 4?

The filing shows that a director of Synchrony Financial acquired 660 shares of common stock on 12/31/2025 at a price of $83.43 per share, tied to a restricted stock unit award.

What are the terms of the restricted stock units reported for SYF?

The filing explains that the 660 reported shares represent restricted stock units that will vest in full on December 31, 2026. Each unit corresponds to a contingent right to receive one share of Synchrony Financial common stock at vesting.

How many Synchrony Financial shares does the reporting person own after this transaction?

Following the reported transaction, the director beneficially owned 28,562 shares of Synchrony Financial common stock directly and 15,300 shares indirectly through family trusts.

What is the relationship of the reporting person to Synchrony Financial (SYF)?

The reporting person is identified as a Director of Synchrony Financial, with the Form 4 indicating the filing is made by one reporting person.

Does the filing describe any derivative securities for the Synchrony Financial insider?

The section for derivative securities is included but contains no specific entries. The only detailed transaction disclosed involves common stock tied to restricted stock units.

When will the reported Synchrony Financial restricted stock units vest?

The restricted stock units described in the filing are scheduled to vest in full on December 31, 2026, at which time each unit will convert into one share of common stock.