Synchrony Financial (SYF) director accrues dividend equivalent units as RSU dividends

Rhea-AI Filing Summary

Chytil Kamila K reported acquisition or exercise transactions in this Form 4 filing.

Synchrony Financial director Kamila K. Chytil reported a small compensation-related award. On May 15, 2026, she accrued 14 dividend equivalent units at $71.38 each, linked to existing restricted stock units. After this accrual, she directly holds 17,129 dividend equivalent units, each economically equivalent to one share of Synchrony common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Chytil Kamila K

Role null

Type	Security	Shares	Price	Value
Grant/Award	Dividend Equivalent Unit	14	$71.38	$999.32

Holdings After Transaction: Dividend Equivalent Unit — 17,129 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Dividend equivalent units granted: 14 units Reference price per unit: $71.38 per unit Units held after transaction: 17,129 units +1 more

4 metrics

Dividend equivalent units granted 14 units Accrued as of May 15, 2026

Reference price per unit $71.38 per unit Dividend equivalent units on May 15, 2026

Units held after transaction 17,129 units Total dividend equivalent units following May 15, 2026 accrual

Economic equivalence 1 unit = 1 share equivalent Each dividend equivalent unit equals one Synchrony common share economically

Key Terms

dividend equivalent units, restricted stock units, economic equivalent

3 terms

dividend equivalent units financial

"Represents dividend equivalent units accrued on May 15, 2026 as dividends that were paid on the common shares underlying restricted stock units."

Dividend equivalent units are bookkeeping credits that mirror cash dividends paid on actual shares, granted to holders of stock-based awards such as restricted stock units or deferred compensation. They matter to investors because they increase a company’s reported employee compensation cost and can lead to issuance of more shares or cash payouts over time, similar to extra pay linked to ownership that affects shareholder dilution and corporate cash flow.

restricted stock units financial

"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"

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.

economic equivalent financial

"Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock."

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^*

Chytil Kamila K

(Last) (First) (Middle)

777 LONG RIDGE ROAD

C/O CORPORATE SECRETARY

(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)
05/15/2026

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
Dividend Equivalent Unit	05/15/2026		A		14(1)	A	$71.38(1)	17,129	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 May 15, 2026 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:

	/s/ Danielle Do as attorney in fact	05/19/2026
	** 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 did Synchrony Financial director Kamila K. Chytil report on this Form 4 for SYF?

Kamila K. Chytil reported accruing 14 dividend equivalent units tied to restricted stock units. These units were credited as of May 15, 2026 and represent compensation, not an open-market stock purchase or sale, under Synchrony Financial’s equity award structure.

How many dividend equivalent units did Kamila K. Chytil receive from Synchrony Financial (SYF)?

She received 14 dividend equivalent units credited on May 15, 2026. The filing notes these units accrued as dividends on common shares underlying restricted stock units and follow the same vesting, settlement, and expiration terms as the related restricted stock units.

What are dividend equivalent units in the context of Synchrony Financial SYF stock awards?

Dividend equivalent units are credits mirroring dividends on underlying restricted stock units. For Synchrony Financial, each dividend equivalent unit is the economic equivalent of one share of common stock and vests, settles, and expires on the same terms as its related restricted stock units.

What is Kamila K. Chytil’s total holding after this SYF Form 4 transaction?

After the May 15, 2026 accrual, she directly holds 17,129 dividend equivalent units. These units are economically equivalent to Synchrony Financial common shares and are subject to the vesting, settlement, and expiration conditions of the underlying restricted stock units described in the filing.

Was this Synchrony Financial Form 4 a market buy or sell of SYF shares?

No, this Form 4 reports a grant-type acquisition of 14 dividend equivalent units. The transaction is coded as a grant or award acquisition and reflects compensation-related accruals, rather than an open-market purchase or sale of Synchrony Financial common stock.