Synchrony Financial (SYF) director granted 883 restricted stock units vesting 2027

Rhea-AI Filing Summary

Richie Laurel reported acquisition or exercise transactions in this Form 4 filing.

Synchrony Financial director Richie Laurel received a grant of restricted stock units, not an open-market share purchase. The award covers 883 units of common stock valued at $68.02 per unit on the grant date. Following this grant, Laurel holds 50,767 shares directly.

The 883 restricted stock units will vest in full on March 31, 2027, meaning shares are delivered only if the vesting conditions are met. Each unit represents a contingent right to receive one share of Synchrony Financial common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Richie Laurel

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	883	$68.02	$60K

Holdings After Transaction: Common Stock — 50,767 shares (Direct)

Footnotes (1)

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Key Figures

RSU grant size: 883 units Grant value per unit: $68.02 per share Shares after transaction: 50,767 shares +1 more

4 metrics

RSU grant size 883 units Restricted stock units awarded to Richie Laurel

Grant value per unit $68.02 per share Reference price for the RSU award

Shares after transaction 50,767 shares Direct Synchrony Financial holdings after grant

Vesting date March 31, 2027 RSUs vest in full on this date

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

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

Richie Laurel

(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		883	A	$68.02	50,767	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) director Richie Laurel report?

Richie Laurel reported receiving 883 restricted stock units of Synchrony Financial common stock. The units were granted as an award at a reference value of $68.02 per unit and are part of his equity-based director compensation rather than an open-market share purchase.

Are the 883 Synchrony Financial (SYF) shares a stock purchase by Richie Laurel?

No, the 883 shares reflect a grant of restricted stock units, not a market purchase. These RSUs are compensation that vest over time, with each unit representing a contingent right to receive one share of Synchrony Financial common stock if vesting conditions are satisfied.

When do Richie Laurel’s Synchrony Financial (SYF) restricted stock units vest?

The 883 restricted stock units granted to Richie Laurel vest in full on March 31, 2027. On that date, assuming conditions are met, each unit converts into one share of Synchrony Financial common stock, increasing his directly held share count accordingly.

How many Synchrony Financial (SYF) shares does Richie Laurel hold after this Form 4 transaction?

After the reported grant, Richie Laurel holds 50,767 shares of Synchrony Financial common stock directly. This figure reflects his position following the award of 883 restricted stock units, which will themselves convert into additional shares only upon vesting in 2027.

What does each Synchrony Financial (SYF) restricted stock unit represent for Richie Laurel?

Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock. The units convert into shares only when vesting occurs, which for this award is scheduled in full for March 31, 2027, as long as vesting conditions are satisfied.