Synchrony Financial (SYF) director awarded new dividend equivalent units

Rhea-AI Filing Summary

Synchrony Financial director Fernando Aguirre reported an automatic acquisition of dividend equivalent units tied to his restricted stock units. On February 17, 2026, he received 14 dividend equivalent units, each economically equal to one share of Synchrony Financial common stock, reflecting dividends paid on the underlying RSUs. His directly held dividend equivalent and related non-derivative holdings now total 28,576 units/shares. He also reports indirect ownership of 15,300 common shares held by family trusts.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider AGUIRRE FERNANDO

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Dividend Equivalent Unit	14	$72.31	$1K
holding	Common Stock	--	--	--

Holdings After Transaction: Dividend Equivalent Unit — 28,576 shares (Direct); Common Stock — 15,300 shares (Indirect, By Family Trusts)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 02/19/2026 - 04:04 PM Learn about SEC filing dates

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^*

AGUIRRE FERNANDO

(Last) (First) (Middle)

C/O SYNCHRONY FINANCIAL

777 LONG RIDGE ROAD

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
02/17/2026

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
Dividend Equivalent Unit	02/17/2026		A		14(1)	A	$72.31(1)	28,576	D
Common Stock								15,300	I	By Family Trusts

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 February 17, 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	02/19/2026
	** 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.

FAQ

What insider transaction did Fernando Aguirre report at Synchrony Financial (SYF)?

Fernando Aguirre reported an automatic acquisition of 14 dividend equivalent units at Synchrony Financial. These units reflect dividends on underlying restricted stock units and are economically equal to common shares, vesting and settling on the same schedule as the related RSUs.

When did Fernando Aguirre receive the dividend equivalent units from Synchrony Financial (SYF)?

Fernando Aguirre’s dividend equivalent units were accrued on February 17, 2026. The accrual corresponds to dividends paid on common shares underlying his restricted stock units and follows the same vesting, settlement, and expiration terms as those RSUs.

How many dividend equivalent units did Fernando Aguirre acquire from Synchrony Financial (SYF)?

Fernando Aguirre acquired 14 dividend equivalent units from Synchrony Financial. Each unit is the economic equivalent of one share of common stock and is tied to dividends paid on the common shares underlying his restricted stock units.

Are Fernando Aguirre’s dividend equivalent units at Synchrony Financial (SYF) the same as common stock?

The dividend equivalent units are economically equal to Synchrony Financial common stock but are not actual shares. They track dividends on RSU-underlying shares and vest, settle, and expire on the same terms as those restricted stock units.

What are Fernando Aguirre’s total reported direct and indirect holdings in Synchrony Financial (SYF)?

Following the reported accrual, Fernando Aguirre shows 28,576 directly held units/shares associated with his awards and 15,300 common shares held indirectly by family trusts. The indirect holdings are reported as “By Family Trusts” in the ownership details.

Do the dividend equivalent units reported by Fernando Aguirre in Synchrony Financial (SYF) vest immediately?

The dividend equivalent units do not vest immediately; they vest proportionately with the related restricted stock units. They are subject to the same settlement timing and expiration terms as the underlying RSU awards at Synchrony Financial.