Synchrony Financial (SYF) executive awarded 72 dividend equivalent units tied to RSUs

Rhea-AI Filing Summary

Synchrony Financial executive Amy Tiliakos reported a compensation-related grant of dividend equivalent units tied to existing restricted stock units. On May 15, 2026, she acquired 72 dividend equivalent units at a reference value of $71.38 per unit, bringing her directly held units to 21,638. According to the disclosure, these dividend equivalent units were accrued as dividends on the common shares underlying her restricted stock units, vest on the same schedule, and are subject to the same settlement and expiration terms. Each unit is described as economically equivalent to one share of Synchrony Financial common stock, reflecting a routine, non-market award rather than an open-market purchase or sale.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Tiliakos Amy

Role See remarks

Type	Security	Shares	Price	Value
Grant/Award	Dividend Equivalent Unit	72	$71.38	$5K

Holdings After Transaction: Dividend Equivalent Unit — 21,638 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Dividend equivalent units granted: 72 units Reference value per unit: $71.38 per unit Units held after transaction: 21,638 units +2 more

5 metrics

Dividend equivalent units granted 72 units Grant on May 15, 2026

Reference value per unit $71.38 per unit Transaction price per unit

Units held after transaction 21,638 units Total dividend equivalent units directly held

Transaction code A Grant, award, or other acquisition

Transaction direction acquire Compensation-related acquisition of units

Key Terms

Dividend Equivalent Unit, restricted stock units, economic equivalent

3 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."

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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^*

Tiliakos Amy

(Last) (First) (Middle)

777 LONG RIDGE ROAD

C/O CORPORATE SECRETARY

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	See remarks

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		72(1)	A	$71.38(1)	21,638	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:

SVP, Chief Accounting Officer and Controller

	/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)

FAQ

What insider transaction did Synchrony Financial (SYF) report for Amy Tiliakos?

Synchrony Financial reported that executive Amy Tiliakos acquired 72 dividend equivalent units on May 15, 2026. These units were granted as part of her compensation, tied to dividends on common shares underlying her restricted stock units, and are not an open-market stock purchase.

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

Dividend equivalent units represent credits mirroring dividends on underlying restricted stock units. For Synchrony Financial, each unit is described as economically equivalent to one share of 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 Amy Tiliakos hold after this transaction?

After the May 15, 2026 accrual, Amy Tiliakos holds 21,638 dividend equivalent units directly. This total includes the additional 72 units granted as dividend equivalents and reflects her position in these compensation-related instruments, not a change in open-market share ownership.

Was the Synchrony Financial (SYF) insider transaction a market buy or sell?

The transaction was a grant of 72 dividend equivalent units, coded as an acquisition related to compensation. It reflects dividends credited on restricted stock units, not an open-market stock purchase or sale, and therefore carries a different significance than discretionary trading in Synchrony Financial shares.

How do the dividend equivalent units for SYF vest for Amy Tiliakos?

The dividend equivalent units vest proportionately with the related restricted stock units. For Amy Tiliakos, Synchrony Financial states they share the same vesting schedule, settlement mechanics, and expiration terms as the underlying restricted stock units from which the dividend equivalents arise.