Synchrony Financial (SYF) insider Curtis Howse granted dividend units

Rhea-AI Filing Summary

Synchrony Financial executive Curtis Howse reported an automatic grant of dividend equivalent units. On the dividend payment date, he acquired 208 dividend equivalent units tied to existing restricted stock units, each economically equivalent to one share of Synchrony Financial common stock and vesting on the same schedule as the underlying awards.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Howse Curtis

Role See remarks

Type	Security	Shares	Price	Value
Grant/Award	Dividend Equivalent Unit	208	$72.31	$15K

Holdings After Transaction: Dividend Equivalent Unit — 94,404 shares (Direct)

Footnotes (1)

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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^*

Howse Curtis

(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)
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		208(1)	A	$72.31(1)	94,404	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 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:

EVP, CEO--Home & Auto

	/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 Synchrony Financial (SYF) report for Curtis Howse?

Curtis Howse reported acquiring 208 dividend equivalent units linked to existing restricted stock units. These units were credited on a dividend payment date and reflect additional economic exposure to Synchrony Financial common stock without an open-market purchase or sale.

What are dividend equivalent units in Synchrony Financial (SYF) Form 4?

Dividend equivalent units represent credits for dividends on shares underlying restricted stock units. For Synchrony Financial, each unit is the economic equivalent of one common share and vests, settles, and expires under the same terms as the related restricted stock units.

Did Curtis Howse buy or sell Synchrony Financial (SYF) shares in this filing?

No open-market buy or sell occurred. Curtis Howse received an automatic grant of 208 dividend equivalent units, an award related to previously granted restricted stock units, rather than a discretionary purchase or sale of Synchrony Financial common stock.

How do the dividend equivalent units for SYF vest and settle?

The dividend equivalent units vest proportionately with the underlying restricted stock units. They are subject to the same vesting schedule, settlement terms, and expiration conditions as those restricted stock units, aligning their value with the original equity awards over time.

What is the relationship between dividend equivalent units and SYF common stock?

Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock. Although they are not actual shares at grant, their value tracks the underlying stock and they settle under the terms of the related restricted stock unit awards.