Synchrony Financial (SYF) director reports 660-share equity grant

Rhea-AI Filing Summary

Synchrony Financial reported that one of its directors acquired additional equity through a stock-based award. On December 31, 2025, the director received 660 shares of common stock, shown at a price of $83.43 per share, bringing the director’s directly held beneficial ownership to 30,529 shares after the transaction.

An explanation clarifies that this award represents restricted stock units that will vest in full on December 31, 2026, with each unit converting into one share of Synchrony Financial common stock when vested. This filing reflects routine director compensation in the form of equity rather than an open-market purchase or sale.

Insider Trade Summary

Net Buyer: 660 shares

Net Buy 1 txn

Insider Zane Ellen M

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	660	$83.43	$55K

Holdings After Transaction: Common Stock — 30,529 shares (Direct)

Footnotes (1)

1. F1. Represents restricted stock units that will vest in full on December 31, 2026. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 01/05/2026 - 05:54 PM Learn about SEC filing dates

FAQ

What insider transaction did Synchrony Financial (SYF) report in this Form 4?

The filing shows that a director of Synchrony Financial acquired 660 shares of common stock as part of an equity award on December 31, 2025.

How many Synchrony Financial shares does the director own after this transaction?

Following the reported award, the director beneficially owns 30,529 shares of Synchrony Financial common stock in direct form.

What type of equity award did the Synchrony Financial director receive?

The award consists of restricted stock units, each representing a contingent right to receive one share of Synchrony Financial common stock upon vesting.

When do the restricted stock units reported by Synchrony Financial vest?

The restricted stock units will vest in full on December 31, 2026, at which time each unit is expected to convert into one share of common stock.

At what price is the Synchrony Financial director’s equity award shown in the Form 4?

The 660-share award is reported at a price of $83.43 per share for Synchrony Financial common stock.

Is this Synchrony Financial Form 4 a purchase or a compensation-related grant?

The disclosure describes a restricted stock unit grant that vests over time, indicating it is compensation-related equity rather than an open-market purchase or sale.

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)
12/31/2025

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
Common Stock	12/31/2025(1)		A		660	A	$83.43	30,529	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 December 31, 2026. 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	01/05/2026
	** 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.