Synchrony Financial (SYF) EVP Carol Juel nets stock from 2023-2025 PSU vesting

Rhea-AI Filing Summary

Synchrony Financial executive equity award activity: EVP, Chief Technology and Operating Officer Carol Juel reported stock transactions tied to long-term incentive compensation. On 01/21/2026, she acquired 79,305 shares of Synchrony common stock, earned upon vesting of Performance Share Units under the 2023-2025 Long-Term Performance Program based on pre-established performance goals. On the same date, 34,894 shares were withheld by the company to cover her tax liability related to this vesting. After these transactions, she held 102,941 shares of Synchrony common stock directly.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Juel Carol

Role See remarks

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	79,305	$77.13	$6.12M
Tax Withholding	Common Stock	34,894	$77.13	$2.69M

Holdings After Transaction: Common Stock — 137,835 shares (Direct)

Footnotes (1)

1. Represents common stock of Synchrony Financial (the "Company") earned by the reporting person in connection with the vesting of Performance Share Units ("PSUs") under the 2023-2025 Long-Term Performance Program based on pre-established performance goals for the 2023-2025 performance period. Reflects the number of shares of Company common stock withheld by the Company to pay the tax liability of the reporting person in connection with the vesting of the PSUs under the 2023-2025 Long-Term Performance Program.

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^*

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)
01/21/2026

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	01/21/2026		A		79,305(1)	A	$77.13	137,835	D
Common Stock	01/21/2026		F		34,894(2)	D	$77.13	102,941	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 common stock of Synchrony Financial (the "Company") earned by the reporting person in connection with the vesting of Performance Share Units ("PSUs") under the 2023-2025 Long-Term Performance Program based on pre-established performance goals for the 2023-2025 performance period.

2. Reflects the number of shares of Company common stock withheld by the Company to pay the tax liability of the reporting person in connection with the vesting of the PSUs under the 2023-2025 Long-Term Performance Program.

Remarks:

EVP, Chief Technology and Operating Officer

	/s/ Danielle Do as attorney in fact	01/23/2026
	** 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 for Carol Juel?

Synchrony Financial reported that EVP, Chief Technology and Operating Officer Carol Juel acquired 79,305 shares of common stock on 01/21/2026 from vesting Performance Share Units under the 2023-2025 Long-Term Performance Program.

Why were shares withheld from Carol Juel’s award at Synchrony Financial (SYF)?

The Form 4 states that 34,894 shares of Synchrony common stock were withheld by the company to pay Carol Juel’s tax liability arising from the vesting of her Performance Share Units.

How many Synchrony Financial (SYF) shares does Carol Juel own after this Form 4?

After the reported transactions on 01/21/2026, Carol Juel directly beneficially owned 102,941 shares of Synchrony Financial common stock.

What compensation program led to Carol Juel’s share acquisition at Synchrony Financial (SYF)?

The acquired shares came from vesting of Performance Share Units under Synchrony’s 2023-2025 Long-Term Performance Program, based on pre-established performance goals for that period.

Were Carol Juel’s Synchrony Financial (SYF) transactions open-market trades?

No. The Form 4 indicates the 79,305-share acquisition resulted from PSU vesting, and the 34,894-share transaction reflects shares withheld by the company to cover taxes, rather than open-market purchases or sales.