STOCK TITAN

[Form 4] SYNCHRONY FINANCIAL Insider Trading Activity

Filing Impact
(Low)
Filing Sentiment
(Neutral)
Form Type
4
Rhea-AI Filing Summary

Carol Juel, EVP, Chief Technology and Operating Officer at Synchrony Financial (SYF), reported acquisition of 244 dividend equivalent units on 08/15/2025. These units represent dividend equivalents paid on the common shares underlying restricted stock units and vest and settle on the same terms as those RSUs. Each dividend equivalent unit equals one share of common stock. After the reported accrual the filing shows 58,281 shares beneficially owned. The transaction was executed at a recorded per‑unit value of $71.49.

Carol Juel, EVP e Chief Technology and Operating Officer di Synchrony Financial (SYF), ha dichiarato l'acquisizione di 244 dividend equivalent units in data 15/08/2025. Queste unità corrispondono ad equivalente dividendo pagato sulle azioni ordinarie sottostanti le restricted stock units e maturano e si liquidano alle stesse condizioni delle RSU. Ogni dividend equivalent unit equivale a una azione ordinaria. Dopo l'accantonamento riportato, la comunicazione indica la detenzione beneficiaria di 58.281 azioni. L'operazione è stata eseguita con un valore registrato per unità di $71.49.

Carol Juel, EVP y Chief Technology and Operating Officer en Synchrony Financial (SYF), informó la adquisición de 244 dividend equivalent units el 15/08/2025. Estas unidades representan equivalentes de dividendo pagados sobre las acciones ordinarias subyacentes a las restricted stock units y vencen y se liquidan con los mismos términos que esas RSU. Cada dividend equivalent unit equivale a una acción ordinaria. Tras el devengo informado, la presentación muestra 58.281 acciones de propiedad beneficiaria. La transacción se ejecutó a un valor registrado por unidad de $71.49.

Carol Juel은 Synchrony Financial(SYF)의 EVP 겸 Chief Technology and Operating Officer로서 2025-08-15244개의 dividend equivalent unit을 취득했다고 보고했습니다. 이 유닛들은 제한부 주식(RSU)에 기초한 보통주에 대해 지급된 배당 상당액을 나타내며 해당 RSU와 동일한 조건으로 취득 및 정산됩니다. 각 dividend equivalent unit은 보통주 1주와 동일합니다. 보고된 발생 이후 해당 제출서류에는 58,281주의 실질적 소유가 기재되어 있습니다. 거래는 단위당 기록된 가치 $71.49로 실행되었습니다.

Carol Juel, EVP et Chief Technology and Operating Officer chez Synchrony Financial (SYF), a déclaré l'acquisition de 244 dividend equivalent units le 15/08/2025. Ces unités correspondent à des équivalents de dividende versés sur les actions ordinaires sous-jacentes aux restricted stock units et acquièrent et se règlent selon les mêmes modalités que ces RSU. Chaque dividend equivalent unit équivaut à une action ordinaire. Après la provision rapportée, le dépôt indique une détention bénéficiaire de 58 281 actions. La transaction a été exécutée à une valeur enregistrée par unité de $71.49.

Carol Juel, EVP und Chief Technology and Operating Officer bei Synchrony Financial (SYF), meldete den Erwerb von 244 dividend equivalent units am 15.08.2025. Diese Einheiten stellen Dividendenäquivalente dar, die auf die den Restricted Stock Units zugrunde liegenden Stammaktien gezahlt werden, und sie reifen und werden zu denselben Bedingungen wie diese RSUs abgewickelt. Jede dividend equivalent unit entspricht einer Stammaktie. Nach der gemeldeten Verbuchung zeigt die Meldung einen wirtschaftlichen Besitz von 58.281 Aktien. Die Transaktion wurde zu einem erfassten Wert von $71.49 pro Einheit ausgeführt.

Positive
  • 244 dividend equivalent units accrued and recorded, increasing reported beneficial ownership to 58,281 shares
  • Dividend equivalents vest proportionately with the underlying restricted stock units, preserving alignment with long‑term incentives
  • Transaction disclosed on Form 4 showing procedural compliance; signed by attorney‑in‑fact
Negative
  • None.

Insights

TL;DR: Routine accrual of dividend equivalent units for an executive, modestly increasing reported beneficial ownership.

This Form 4 documents a non‑cash accrual of 244 dividend equivalent units tied to existing restricted stock units rather than a market purchase or sale. The economic effect mirrors additional share exposure that vests with the underlying RSUs; it does not indicate a new cash outlay or change in compensation structure disclosed here. The per‑unit value shown ($71.49) is a notation of the dividend equivalent amount per unit on the accrual date.

TL;DR: Governance disclosure is standard and shows equity compensation mechanics functioning as designed.

The filing clarifies that dividend equivalents are granted and vest proportionately with RSUs, which is a common practice to preserve economic parity between cash dividends and long‑term equity awards. The reporting person’s title is stated, and the form is signed by an attorney‑in‑fact, indicating procedural compliance. No unusual governance actions or departures are disclosed.

Carol Juel, EVP e Chief Technology and Operating Officer di Synchrony Financial (SYF), ha dichiarato l'acquisizione di 244 dividend equivalent units in data 15/08/2025. Queste unità corrispondono ad equivalente dividendo pagato sulle azioni ordinarie sottostanti le restricted stock units e maturano e si liquidano alle stesse condizioni delle RSU. Ogni dividend equivalent unit equivale a una azione ordinaria. Dopo l'accantonamento riportato, la comunicazione indica la detenzione beneficiaria di 58.281 azioni. L'operazione è stata eseguita con un valore registrato per unità di $71.49.

Carol Juel, EVP y Chief Technology and Operating Officer en Synchrony Financial (SYF), informó la adquisición de 244 dividend equivalent units el 15/08/2025. Estas unidades representan equivalentes de dividendo pagados sobre las acciones ordinarias subyacentes a las restricted stock units y vencen y se liquidan con los mismos términos que esas RSU. Cada dividend equivalent unit equivale a una acción ordinaria. Tras el devengo informado, la presentación muestra 58.281 acciones de propiedad beneficiaria. La transacción se ejecutó a un valor registrado por unidad de $71.49.

Carol Juel은 Synchrony Financial(SYF)의 EVP 겸 Chief Technology and Operating Officer로서 2025-08-15244개의 dividend equivalent unit을 취득했다고 보고했습니다. 이 유닛들은 제한부 주식(RSU)에 기초한 보통주에 대해 지급된 배당 상당액을 나타내며 해당 RSU와 동일한 조건으로 취득 및 정산됩니다. 각 dividend equivalent unit은 보통주 1주와 동일합니다. 보고된 발생 이후 해당 제출서류에는 58,281주의 실질적 소유가 기재되어 있습니다. 거래는 단위당 기록된 가치 $71.49로 실행되었습니다.

Carol Juel, EVP et Chief Technology and Operating Officer chez Synchrony Financial (SYF), a déclaré l'acquisition de 244 dividend equivalent units le 15/08/2025. Ces unités correspondent à des équivalents de dividende versés sur les actions ordinaires sous-jacentes aux restricted stock units et acquièrent et se règlent selon les mêmes modalités que ces RSU. Chaque dividend equivalent unit équivaut à une action ordinaire. Après la provision rapportée, le dépôt indique une détention bénéficiaire de 58 281 actions. La transaction a été exécutée à une valeur enregistrée par unité de $71.49.

Carol Juel, EVP und Chief Technology and Operating Officer bei Synchrony Financial (SYF), meldete den Erwerb von 244 dividend equivalent units am 15.08.2025. Diese Einheiten stellen Dividendenäquivalente dar, die auf die den Restricted Stock Units zugrunde liegenden Stammaktien gezahlt werden, und sie reifen und werden zu denselben Bedingungen wie diese RSUs abgewickelt. Jede dividend equivalent unit entspricht einer Stammaktie. Nach der gemeldeten Verbuchung zeigt die Meldung einen wirtschaftlichen Besitz von 58.281 Aktien. Die Transaktion wurde zu einem erfassten Wert von $71.49 pro Einheit ausgeführt.

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*
Juel Carol

(Last) (First) (Middle)
777 LONG RIDGE ROAD
C/O CORPORATE SECRETARY

(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)
Director 10% Owner
X Officer (give title below) Other (specify below)
See remarks
3. Date of Earliest Transaction (Month/Day/Year)
08/15/2025
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
Dividend Equivalent Unit 08/15/2025 A 244(1) A $71.49(1) 58,281 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 dividend equivalent units accrued on August 15, 2025 as dividends that were paid on the common shares underlying restricted stock units. The dividend equivalent units vest proportionately with and are subject to settlement and expiration upon the same terms as the restricted stock units to which they relate. Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock.
Remarks:
EVP, Chief Technology and Operating Officer
/s/ Danielle Do as attorney in fact 08/19/2025
** 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 transaction did Synchrony Financial insider Carol Juel report on Form 4 (SYF)?

The Form 4 reports the accrual of 244 dividend equivalent units related to restricted stock units on 08/15/2025.

How many shares does Carol Juel beneficially own after the reported transaction?

The filing shows 58,281 shares beneficially owned following the reported accrual.

What is the stated value per unit for the dividend equivalents on the Form 4?

The Form 4 records a per‑unit value of $71.49 for the dividend equivalent units.

Do the dividend equivalent units vest immediately or follow the underlying awards?

The dividend equivalent units vest proportionately with and are subject to settlement and expiration on the same terms as the related restricted stock units.

What is Carol Juel’s role at Synchrony Financial as listed on the filing?

Her title is listed as EVP, Chief Technology and Operating Officer.
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