Synchrony director granted 14 dividend units

Synchrony Financial director Ellen M. Zane reported an acquisition of 14 dividend equivalent units on February 17, 2026.

Rhea-AI Filing Summary

Synchrony Financial director Ellen M. Zane reported an acquisition of 14 dividend equivalent units on February 17, 2026. These units were accrued as dividends on common shares underlying restricted stock units and are valued at 72.3100 per unit. After this grant, she directly holds a total of 30,543 dividend equivalent units. The units vest proportionately with the related restricted stock units and settle or expire on the same terms, and each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock.

Insider Trade Summary

Grant/Award: 14 shares

Grant/Award 1 txn

Insider Zane Ellen M

Role Director

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

Holdings After Transaction: Dividend Equivalent Unit — 30,543 shares (Direct)

Footnotes (1)

1. F1. 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.

FAQ

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What insider transaction did Synchrony Financial (SYF) report for Ellen M. Zane?

Synchrony Financial reported that director Ellen M. Zane acquired 14 dividend equivalent units on February 17, 2026. These units were granted as dividends on common shares underlying restricted stock units and increase her directly held total to 30,543 units.

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

Dividend equivalent units represent amounts accrued as dividends on common shares underlying restricted stock units. For this filing, each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock and follows the same vesting, settlement, and expiration terms as the related restricted stock units.

How many Synchrony Financial dividend equivalent units does Ellen M. Zane hold after this transaction?

After the reported transaction, Ellen M. Zane directly holds 30,543 dividend equivalent units. This reflects the addition of 14 units accrued on February 17, 2026 as dividend equivalents on the common shares underlying her restricted stock units, as disclosed in the filing.

How do the new dividend equivalent units for SYF’s director vest and settle?

The new dividend equivalent units vest proportionately with the restricted stock units to which they relate. They are subject to settlement and expiration on the same terms as those restricted stock units, aligning timing and conditions between the underlying awards and the associated dividend equivalents.

What price per unit is shown for the Synchrony Financial dividend equivalent units?

The filing shows a transaction price of 72.3100 per dividend equivalent unit. This price is attached to the 14 units accrued on February 17, 2026 and is used in the Form 4’s transaction reporting for this non-derivative acquisition by the director.

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Accepted by SEC EDGAR 02/19/2026 - 04:05 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^*

Zane Ellen M

(Last) (First) (Middle)

777 LONG RIDGE ROAD

C/O SYNCHRONY FINANCIAL

(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)	30,543	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:

	/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.