Synchrony Financial (SYF) director granted 883 restricted stock units vesting in 2027

Rhea-AI Filing Summary

Synchrony Financial director Daniel O. Colao received an equity award of 883 restricted stock units of common stock. The award is classified as a grant or other acquisition, not an open-market purchase, at a reference price of $68.02 per share.

The restricted stock units will vest in full on March 31, 2027, at which time each unit will convert into one share of Synchrony Financial common stock if vesting conditions are met. Following this award, Colao directly holds 4,869 shares of common stock, reflecting a routine compensation-related increase in his equity stake.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider COLAO DANIEL O

Role Director

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

Holdings After Transaction: Common Stock — 4,869 shares (Direct)

Footnotes (1)

1. [object Object]

Key Figures

RSUs granted: 883 units Reference price per share: $68.02/share Shares owned after transaction: 4,869 shares +1 more

4 metrics

RSUs granted 883 units Restricted stock units awarded to director on March 31, 2026

Reference price per share $68.02/share Price associated with the 883-unit grant

Shares owned after transaction 4,869 shares Director’s direct holdings following the award

Vesting date March 31, 2027 Date when all 883 restricted stock units vest

Key Terms

restricted stock units, contingent right, grant, award, or other acquisition

3 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."

grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

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^*

COLAO DANIEL O

(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	4,869	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 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 did Synchrony Financial (SYF) director Daniel O. Colao report on this Form 4?

Director Daniel O. Colao reported receiving an award of 883 restricted stock units of Synchrony Financial common stock. This is a compensation-related equity grant, not an open-market purchase or sale, and increases his direct ownership position in the company.

How many shares did Daniel O. Colao acquire in this SYF Form 4 filing?

He acquired 883 restricted stock units linked to Synchrony Financial common stock. Each restricted stock unit represents a contingent right to receive one share of common stock once vesting conditions are satisfied on the specified vesting date.

When do Daniel O. Colao’s Synchrony Financial restricted stock units vest?

The 883 restricted stock units will vest in full on March 31, 2027. On that date, assuming conditions are met, each unit converts into one share of Synchrony Financial common stock, turning the award into actual share ownership.

Is this SYF Form 4 transaction a market buy or sell of shares?

No, this transaction is not a market buy or sell. It is a Form 4 report of a grant or award acquisition of restricted stock units, reflecting equity compensation for the director rather than a discretionary trade on the open market.

What is Daniel O. Colao’s ownership in Synchrony Financial after this Form 4 transaction?

After this award, Daniel O. Colao directly holds 4,869 shares of Synchrony Financial common stock. This figure reflects his post-transaction direct ownership as reported, including the impact of the newly granted restricted stock units.

What does each restricted stock unit represent in this SYF filing?

Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock. The units convert into actual shares only when they vest, which for this grant is scheduled to occur in full on March 31, 2027.