Synchrony director granted 1,200 RSUs

Synchrony Financial director Jeffrey G. Naylor received an award of 1,200 restricted stock units of Common Stock at a reference price of $76.05 per share.

Rhea-AI Filing Summary

Synchrony Financial director Jeffrey G. Naylor received an award of 1,200 restricted stock units of Common Stock at a reference price of $76.05 per share. These restricted stock units will vest in full on June 30, 2027, with each unit converting into one share of Synchrony Financial common stock.

After this compensation-related award, Naylor holds 65,417 shares of Synchrony Financial common stock directly. This Form 4 reflects a grant or award acquisition rather than an open-market purchase.

Insider Trade Summary

Grant/Award: 1,200 shares

Grant/Award 1 txn

Insider NAYLOR JEFFREY G

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,200	$76.05	$91K

Holdings After Transaction: Common Stock — 65,417 shares (Direct)

Footnotes (1)

1. F1. Represents restricted stock units that will vest in full on June 30, 2027. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock.

Key Figures

RSU grant size: 1,200 units Grant reference price: $76.05 per share Shares after transaction: 65,417 shares +1 more

4 metrics

RSU grant size 1,200 units Restricted stock units granted to director on June 30, 2026

Grant reference price $76.05 per share Price per share used for RSU award disclosure

Shares after transaction 65,417 shares Director’s direct holdings following the RSU grant

RSU vesting date June 30, 2027 Date when 1,200 restricted stock units vest in full

Key Terms

restricted stock units, contingent right, Common Stock, Grant, award, or other acquisition

4 terms

restricted stock units financial

"Represents restricted stock units that will vest in full on June 30, 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"

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.

Grant, award, or other acquisition financial

"transaction_code_description": "Grant, award, or other acquisition""

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Synchrony Financial (SYF) director Jeffrey G. Naylor report on this Form 4?

Jeffrey G. Naylor reported receiving 1,200 restricted stock units of Synchrony Financial Common Stock as a grant. The award is compensation-related, not an open-market purchase, and is tied to future vesting rather than an immediate cash transaction.

How many Synchrony Financial (SYF) shares did Jeffrey G. Naylor acquire in this transaction?

The filing shows an acquisition of 1,200 restricted stock units. Each unit represents a contingent right to receive one share of Synchrony Financial common stock, so full vesting would result in 1,200 additional shares for the director.

What is the vesting schedule for Jeffrey G. Naylor’s new restricted stock units at Synchrony Financial (SYF)?

The 1,200 restricted stock units will vest in full on June 30, 2027. Upon vesting, each unit converts into one share of Synchrony Financial common stock, assuming continued satisfaction of the award’s conditions through that vesting date.

What was the reference price per share for Jeffrey G. Naylor’s restricted stock unit grant at Synchrony Financial (SYF)?

The transaction references a price of $76.05 per share for the 1,200 restricted stock units. This price is typically used for valuation and disclosure purposes, rather than indicating an open-market purchase or sale in this compensation award.

How many Synchrony Financial (SYF) shares does Jeffrey G. Naylor hold after this Form 4 transaction?

Following the grant of 1,200 restricted stock units, Jeffrey G. Naylor is reported to hold 65,417 shares of Synchrony Financial common stock directly. This total reflects his position after recording the new stock-based compensation award.

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

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Accepted by SEC EDGAR 07/02/2026 - 04:08 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^*

NAYLOR JEFFREY G

(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)
06/30/2026

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	06/30/2026(1)		A		1,200	A	$76.05	65,417	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 June 30, 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	07/02/2026
	** 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)