Synchrony Financial (NYSE: SYF) director awarded 883 restricted stock units

Rhea-AI Filing Summary

AGUIRRE FERNANDO reported acquisition or exercise transactions in this Form 4 filing.

Synchrony Financial director Fernando Aguirre received a grant of 883 restricted stock units, each representing one share of common stock. These restricted stock units are scheduled to vest in full on March 31, 2027. Following this award, Aguirre directly holds 29,459 common shares and also reports indirect ownership of 15,300 shares through family trusts.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider AGUIRRE FERNANDO

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	883	$68.02	$60K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 29,459 shares (Direct); Common Stock — 15,300 shares (Indirect, By Family Trusts)

Footnotes (1)

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Key Figures

RSU grant: 883 units RSU reference price: $68.02 per share Direct holdings after grant: 29,459 shares +2 more

5 metrics

RSU grant 883 units Restricted stock units granted to director on March 31, 2026

RSU reference price $68.02 per share Reference price per share for 883-unit award

Direct holdings after grant 29,459 shares Common stock directly held by Fernando Aguirre after award

Indirect holdings via family trusts 15,300 shares Common stock held indirectly by family trusts

RSU vesting date March 31, 2027 Date when all 883 restricted stock units vest in full

Key Terms

restricted stock units, contingent right, family trusts, beneficial ownership

4 terms

restricted stock units financial

"Represents restricted stock units that will vest in full on March 31, 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 of Synchrony Financial common stock."

family trusts financial

"nature_of_ownership: By Family Trusts"

beneficial ownership financial

"These indirect holdings are reported as part of Fernando Aguirre’s beneficial ownership."

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

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^*

AGUIRRE FERNANDO

(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)
03/31/2026

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	03/31/2026(1)		A		883	A	$68.02	29,459	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 restricted stock units that will vest in full on March 31, 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	04/02/2026
	** 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)

FAQ

What insider transaction did SYF director Fernando Aguirre report?

Fernando Aguirre reported receiving 883 restricted stock units of Synchrony Financial common stock. This is a compensation-related grant, not an open-market purchase or sale, and reflects additional equity awarded to him as a director.

When do Fernando Aguirre’s new SYF restricted stock units vest?

The 883 restricted stock units granted to Fernando Aguirre are scheduled to vest in full on March 31, 2027. Once vested, each unit converts into one share of Synchrony Financial common stock for the director.

How many SYF shares does Fernando Aguirre hold after this grant?

After the grant, Fernando Aguirre directly holds 29,459 shares of Synchrony Financial common stock. He also reports indirect ownership of 15,300 additional shares held through family trusts associated with him.

Is the SYF Form 4 transaction a market buy or sell?

The Form 4 for Synchrony Financial shows a grant of 883 restricted stock units to director Fernando Aguirre. It is recorded under code A as a grant or award, not an open-market share purchase or sale transaction.

What do the family trust holdings mean for SYF insider ownership?

The filing shows 15,300 Synchrony Financial shares held indirectly through family trusts. These indirect holdings are reported as part of Fernando Aguirre’s beneficial ownership, in addition to his directly held 29,459 common shares.