[Form 4] Synchrony Financial Insider Trading Activity

Rhea-AI Filing Summary

Zane Ellen M, a Director of Synchrony Financial (SYF), reported an acquisition on 09/30/2025 of 775 restricted stock units (RSUs) at a reported price of $71.05 per share. Following the transaction, the reporting person beneficially owns 29,854 shares of Synchrony common stock in a direct ownership form. The filing uses Code V, and the RSUs are disclosed to vest in full on 09/30/2026, with each RSU representing a contingent right to one share. The Form 4 signature is executed by an attorney-in-fact on 10/02/2025.

Positive

• Acquisition of 775 RSUs increases insider ownership
• Beneficial ownership rose to 29,854 shares, showing director alignment
• RSUs vest in full on 09/30/2026, providing a defined timeline for share delivery

Negative

• None.

Insights

Corporate Governance Analyst

Director acquired 775 RSUs, raising holdings to 29,854.

What it means: The report documents a routine, non-derivative acquisition of 775 restricted stock units that will vest on 09/30/2026. This increases the director's direct stake to 29,854 shares, which is a straightforward equity grant conversion into beneficial ownership once vested.

Why it matters: Insider purchases or grants signal alignment of management with shareholder value; the disclosed vesting date (09/30/2026) creates a clear timeline for potential share delivery. The filing contains no additional compensatory terms or derivative instruments.

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
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

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)
09/30/2025

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	09/30/2025(1)		A		775	A	$71.05	29,854	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 September 30, 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	10/02/2025
	** 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 did Synchrony Financial (SYF) insider Zane Ellen M report on 09/30/2025?

The filing reports an acquisition of 775 restricted stock units (RSUs) at a reported price of $71.05, bringing direct beneficial ownership to 29,854 shares.

When do the RSUs reported by Zane Ellen M vest?

The Form 4 states the RSUs will vest in full on 09/30/2026 and each RSU represents a contingent right to one share of common stock.

What does Code V mean on this Form 4 for SYF?

The filing uses Code V, which indicates the transaction involves the vesting or settlement of restricted stock units or similar allocations as disclosed in the form.

How was the Form 4 signed and when?

The Form 4 was signed by Danielle Do as attorney-in-fact on 10/02/2025.

Did the filing show indirect ownership or holdings via another entity?

No. The Form 4 lists the ownership form as Direct and does not disclose indirect beneficial ownership.