SYF insider trades: 12,086 options exercised and shares sold

Q: What did SYF's insider report on Form 4?

An officer exercised 12,086 stock options at $34.30 and sold 12,086 shares at $74.02 on 11/03/2025 .

Q: How many SYF shares does the insider hold after the transaction?

The officer directly holds 108,271 shares after the reported transactions.

Q: Was the SYF trade under a 10b5-1 plan?

Yes. The filing states the trades were made under a Rule 10b5-1 trading plan adopted on July 24, 2025 .

Q: What was the option exercise price and grant details for SYF?

The stock options had an exercise price of $34.30 , were granted on April 1, 2017 , vested in five equal annual installments, and expire on April 1, 2027 .

Q: What is the insider's role at Synchrony Financial (SYF)?

The filing lists the officer as EVP, CEO—Home & Auto .

Filing Impact

(Very High)

Filing Sentiment

(Negative)

Form Type

Rhea-AI Filing Summary

Synchrony Financial (SYF) reported an insider transaction by an officer (EVP, CEO—Home & Auto) on 11/03/2025. The reporting person exercised 12,086 stock options at $34.30 per share and, the same day, sold 12,086 shares at $74.02. Following these transactions, the officer directly holds 108,271 shares.

The trades were made under a Rule 10b5-1 trading plan adopted on July 24, 2025. The options were originally granted on April 1, 2017 and vest in five equal annual installments, with an expiration date of April 1, 2027.

Insider Trade Summary

Net Seller: 12,086 shares ($894,606)

Net Sell 3 txns

Insider Howse Curtis

Role See remarks

Sold 12,086 shs ($895K)

Type	Security	Shares	Price	Value
Exercise	Employee Stock Option (right to buy)	12,086	$0.00	--
Exercise	Common Stock	12,086	$34.30	$415K
Sale	Common Stock	12,086	$74.02	$895K

Holdings After Transaction: Employee Stock Option (right to buy) — 0 shares (Direct); Common Stock — 120,357 shares (Direct)

Footnotes (1)

This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 24, 2025. The Reporting Person was awarded 12,086 stock options on April 1, 2017, which vested in five equal annual installments of 20% each, beginning on the first anniversary of the grant date.

Form 4 Insider Transactions: What Each Field Means →

11/05/2025 - 05:31 PM

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^*

Howse Curtis

(Last)

(First)

(Middle)

777 LONG RIDGE ROAD

C/O CORPORATE SECRETARY

(Street)

STAMFORD

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)
11/03/2025

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	11/03/2025		M		12,086⁽¹⁾	A	$34.3	120,357	D
Common Stock	11/03/2025		S		12,086⁽¹⁾	D	$74.02	108,271	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Employee Stock Option (right to buy)	$34.3	11/03/2025		M			12,086⁽¹⁾	⁽²⁾	04/01/2027	Common Stock	12,086	$0	0	D

Explanation of Responses:

1. This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 24, 2025.

2. The Reporting Person was awarded 12,086 stock options on April 1, 2017, which vested in five equal annual installments of 20% each, beginning on the first anniversary of the grant date.

Remarks:

EVP, CEO--Home & Auto

	/s/ Danielle Do, as attorney-in-fact	11/05/2025
	** 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.

Source: View Original Filing on SEC EDGAR

FAQ

What did SYF's insider report on Form 4?

An officer exercised 12,086 stock options at $34.30 and sold 12,086 shares at $74.02 on 11/03/2025.

How many SYF shares does the insider hold after the transaction?

The officer directly holds 108,271 shares after the reported transactions.

Was the SYF trade under a 10b5-1 plan?

Yes. The filing states the trades were made under a Rule 10b5-1 trading plan adopted on July 24, 2025.

What was the option exercise price and grant details for SYF?

The stock options had an exercise price of $34.30, were granted on April 1, 2017, vested in five equal annual installments, and expire on April 1, 2027.

What transaction codes were reported in the SYF Form 4?

Transaction code M for the option exercise and S for the sale of common stock.

What is the insider's role at Synchrony Financial (SYF)?

The filing lists the officer as EVP, CEO—Home & Auto.