Synchrony director granted 14 dividend units

COLAO DANIEL O reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

COLAO DANIEL O reported acquisition or exercise transactions in this Form 4 filing.

Synchrony Financial director Daniel O. Colao received a grant of 14 Dividend Equivalent Units on May 15, 2026. These units were accrued as dividends on common shares underlying his restricted stock units at a reference value of $71.38 per unit.

The dividend equivalent units vest proportionately with, and are subject to the same settlement and expiration terms as, the related restricted stock units. Each unit is the economic equivalent of one share of Synchrony Financial common stock. Following this grant, Colao directly holds 4,883 such units.

Insider Trade Summary

Grant/Award: 14 shares

Grant/Award 1 txn

Insider COLAO DANIEL O

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Dividend Equivalent Unit	14	$71.38	$999.32

Holdings After Transaction: Dividend Equivalent Unit — 4,883 shares (Direct)

Footnotes (1)

1. F1. Represents dividend equivalent units accrued on May 15, 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.

Key Figures

Dividend Equivalent Units granted: 14 units Reference value per unit: $71.38 per unit Units held after transaction: 4,883 units +1 more

4 metrics

Dividend Equivalent Units granted 14 units Accrued as of May 15, 2026

Reference value per unit $71.38 per unit Price per Dividend Equivalent Unit on grant date

Units held after transaction 4,883 units Total Dividend Equivalent Units directly held after grant

Acquire transactions in filing 1 transaction Grant, award, or other acquisition classified as acquire

Key Terms

Dividend Equivalent Unit, restricted stock units, economic equivalent, Grant, award, or other acquisition

4 terms

Dividend Equivalent Unit financial

"Represents dividend equivalent units accrued on May 15, 2026 as dividends that were paid on the common shares underlying restricted stock units."

restricted stock units financial

"dividends that were paid on the common shares underlying restricted stock units."

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.

economic equivalent financial

"Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock."

Grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Synchrony Financial (SYF) report for Daniel O. Colao?

Synchrony Financial reported that director Daniel O. Colao acquired 14 Dividend Equivalent Units on May 15, 2026. These units were granted as dividend equivalents tied to common shares underlying his restricted stock units and are part of his equity-based compensation.

What are Dividend Equivalent Units in the Synchrony Financial (SYF) Form 4 filing?

Dividend Equivalent Units represent dividends accrued on common shares underlying restricted stock units. For Synchrony Financial, each Dividend Equivalent Unit is the economic equivalent of one share of common stock and vests, settles, and expires under the same terms as the related restricted stock units.

How many Dividend Equivalent Units does Daniel O. Colao hold after this Synchrony Financial (SYF) transaction?

After the reported transaction, Daniel O. Colao directly holds 4,883 Dividend Equivalent Units. This total includes the 14 units accrued on May 15, 2026 as dividend equivalents on the common shares underlying his existing restricted stock units.

At what reference value were the new Dividend Equivalent Units recorded for Synchrony Financial (SYF)?

The 14 newly accrued Dividend Equivalent Units were recorded at a reference value of $71.38 per unit. This price per unit appears in the Form 4 and is linked to the dividend equivalent accrual on the underlying common shares tied to restricted stock units.

How do the Dividend Equivalent Units for Synchrony Financial (SYF) vest and settle?

The 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 their timing and conditions with the original equity awards.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/19/2026 - 04:24 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^*

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)
05/15/2026

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
Dividend Equivalent Unit	05/15/2026		A		14(1)	A	$71.38(1)	4,883	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 May 15, 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	05/19/2026
	** 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.
* Form 4: SEC 1474 (03-26)