Synchrony Financial (SYF) insider Amy Tiliakos awarded dividend equivalent units

Rhea-AI Filing Summary

Synchrony Financial executive Amy Tiliakos reported an automatic award of dividend equivalent units linked to existing restricted stock units. On the transaction date, she acquired 59 dividend equivalent units at a reference price of $72.31 per unit, bringing her directly held units to 17,994.

The footnote explains these dividend equivalent units were accrued as dividends paid on the common shares underlying her restricted stock units. They will vest, settle, and expire on the same schedule and terms as the related restricted stock units, and each unit is economically equal to one share of Synchrony Financial common stock.

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	59	$72.31	$4K

Holdings After Transaction: Dividend Equivalent Unit — 17,994 shares (Direct)

Footnotes (1)

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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 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)

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

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		59(1)	A	$72.31(1)	17,994	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:

SVP, Chief Accounting Officer and Controller

	/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.

FAQ

What did Synchrony Financial insider Amy Tiliakos report on this Form 4 for SYF?

Amy Tiliakos reported an acquisition of 59 dividend equivalent units tied to existing restricted stock units. These units were credited as dividends and increase her directly held total to 17,994 units, each economically equal to one share of Synchrony Financial common stock.

What are the dividend equivalent units reported by Amy Tiliakos at Synchrony Financial (SYF)?

The dividend equivalent units represent dividends accrued on common shares underlying her restricted stock units. Each unit is the economic equivalent of one Synchrony Financial common share and follows the same vesting, settlement, and expiration terms as the related restricted stock units.

How many dividend equivalent units did Amy Tiliakos acquire in this SYF Form 4?

Amy Tiliakos acquired 59 dividend equivalent units in this transaction. After this award, her directly held total increased to 17,994 units, reflecting accumulated dividend credits associated with her existing Synchrony Financial restricted stock unit awards.

At what reference price were the Synchrony Financial dividend equivalent units recorded for Amy Tiliakos?

The dividend equivalent units were recorded at a reference price of $72.31 per unit. This price is used for reporting purposes and reflects the value attributed to each unit, which is economically equal to one share of Synchrony Financial common stock.

Do the dividend equivalent units for SYF vest immediately for Amy Tiliakos?

The dividend equivalent units do not vest immediately; they vest proportionately with the underlying restricted stock units. They share the same settlement and expiration terms, meaning their timing and payout follow the original Synchrony Financial restricted stock unit grant schedule.

How are the dividend equivalent units related to Amy Tiliakos’s restricted stock units at Synchrony Financial?

These dividend equivalent units arise from dividends paid on common shares underlying her restricted stock units. They are contractually linked to those awards, vest on the same schedule, and are settled or expire under the same terms as the original Synchrony Financial restricted stock units.