Were Darrell Owens' Synchrony Financial (SYF) share sales under a Rule 10b5-1 plan?

Yes. The 610-share sale on August 3, 2026 was made pursuant to a Rule 10b5-1 trading plan adopted by Darrell Owens on October 17, 2025, indicating the trade followed a pre-arranged plan rather than discretionary timing.

Synchrony Financial (NYSE: SYF) officer sells 610 shares in 10b5-1 trade

Q: How many Synchrony Financial (SYF) shares did Darrell Owens sell and at what price?

Owens sold 610 shares of Synchrony Financial common stock at $76.73 per share on August 3, 2026. This was reported as an open-market or private sale transaction, with ownership shown as direct following the transaction.

Q: Why were 486 Synchrony Financial (SYF) shares withheld for Darrell Owens?

The 486 shares at $75.79 were withheld by Synchrony Financial on July 31, 2026 to pay Owens’ tax liability tied to the vesting of restricted stock units, and the footnote states no investment decision was made by Owens for this withholding.

Filing Impact

(Neutral)

Filing Sentiment

(Negative)

Form Type

Rhea-AI Filing Summary

Synchrony Financial officer Darrell Owens reported two transactions in common stock. On August 3, 2026, he sold 610 shares at $76.73 in an open-market sale executed under a Rule 10b5-1 trading plan adopted on October 17, 2025. On July 31, 2026, 486 shares at $75.79 were withheld by the company to pay his tax liability upon vesting of restricted stock units, with no investment decision by Owens for that withholding.

Insider Trade Summary 10b5-1

Net Seller: 1,096 shares

Net Sell 2 txns

Insider Owens Darrell

Role See remarks

Sold 610 shs ($47K)

Type	Security	Shares	Price	Value
Sale	Common Stock ^F2	610	$76.73	$47K
Tax Withholding	Common Stock ^F1	486	$75.79	$37K

Holdings After Transaction: Common Stock — 16,410 shares (Direct)

Footnotes (2)

F1. 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 restricted stock units. No investment decision was made by the Reporting Person in connection with the withholding.
F2. This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on October 17, 2025.

Key Figures

Shares sold: 610 shares Sale price: $76.73 per share Shares withheld for tax: 486 shares +1 more

4 metrics

Shares sold 610 shares Open-market sale of common stock on 2026-08-03

Sale price $76.73 per share Price for 610 common shares sold by Darrell Owens on 2026-08-03

Shares withheld for tax 486 shares Shares withheld on 2026-07-31 to pay tax on RSU vesting

Tax withholding price $75.79 per share Value used for 486 shares withheld for tax on 2026-07-31

Key Terms

Rule 10b5-1 trading plan, restricted stock units, tax liability

3 terms

Rule 10b5-1 trading plan regulatory

"This transaction was made pursuant to a Rule 10b5-1 trading plan"

A Rule 10b5-1 trading plan is a pre-arranged schedule that allows company insiders to buy or sell stock at specific times, even if they have inside information. It helps prevent accusations of unfair trading by making these transactions look planned and transparent, rather than sneaky or illegal.

restricted stock units financial

"in connection with the vesting of 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.

tax liability financial

"withheld by the Company to pay the tax liability of the Reporting Person"

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 08/04/2026 - 04:09 PM Accepted by SEC EDGAR 08/04/2026 - 04:08 PM

FAQ

What insider transactions did Synchrony Financial (SYF) report for Darrell Owens?

Darrell Owens reported two Synchrony Financial transactions: a sale of 610 common shares at $76.73 on August 3, 2026, and 486 shares withheld at $75.79 on July 31, 2026 to cover tax from vesting restricted stock units.

How many Synchrony Financial (SYF) shares did Darrell Owens sell and at what price?

Owens sold 610 shares of Synchrony Financial common stock at $76.73 per share on August 3, 2026. This was reported as an open-market or private sale transaction, with ownership shown as direct following the transaction.

Why were 486 Synchrony Financial (SYF) shares withheld for Darrell Owens?

The 486 shares at $75.79 were withheld by Synchrony Financial on July 31, 2026 to pay Owens’ tax liability tied to the vesting of restricted stock units, and the footnote states no investment decision was made by Owens for this withholding.

On what dates did Darrell Owens’ Synchrony Financial (SYF) transactions occur?

Owens’ reported Synchrony Financial transactions occurred on July 31, 2026August 3, 2026 for the open-market sale of 610 common shares at $76.73 per share.

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).
X
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^*
Owens Darrell
(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)
Director 10% Owner
X Officer (give title below) Other (specify below)
See remarks
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/31/2026 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 07/31/2026 F 486⁽¹⁾ D $75.79 17,020 D
Common Stock 08/03/2026 S 610⁽²⁾ D $76.73 16,410 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. 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 restricted stock units. No investment decision was made by the Reporting Person in connection with the withholding.
2. This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on October 17, 2025.
Remarks:
/s/ Danielle Do, as attorney-in-fact 08/04/2026
** 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)

Source: View Original Filing on SEC EDGAR

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	07/31/2026		F		486⁽¹⁾	D	$75.79	17,020	D
Common Stock	08/03/2026		S		610⁽²⁾	D	$76.73	16,410	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

	/s/ Danielle Do, as attorney-in-fact	08/04/2026
	** 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)