Executives at Synchrony Financial (NYSE: SYF) log 52,556-share sale

Rhea-AI Filing Summary

Synchrony Financial executive Curtis Howse reported an automatic stock sale under a pre-set trading plan. On February 2, 2026, he sold 52,556 shares of Synchrony Financial common stock at $72.32 per share in an open-market sale coded "S."

The filing notes this transaction was made under a Rule 10b5-1 trading plan adopted on July 24, 2025, indicating it was pre-arranged. After the sale, Howse directly owned 94,196 shares of Synchrony Financial common stock and is identified as EVP, CEO--Home & Auto.

Insider Trade Summary

Net Seller: 52,556 shares ($3,800,850)

Net Sell 1 txn

Insider Howse Curtis

Role See remarks

Sold 52,556 shs ($3.80M)

Type	Security	Shares	Price	Value
Sale	Common Stock	52,556	$72.32	$3.80M

Holdings After Transaction: Common Stock — 94,196 shares (Direct)

Footnotes (1)

1. [object Object]

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).

X

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 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)
02/02/2026

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
Common Stock	02/02/2026		S		52,556(1)	D	$72.32	94,196	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. This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 24, 2025.

Remarks:

EVP, CEO--Home & Auto

	/s/ Danielle Do, as attorney-in-fact	02/04/2026
	** 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 insider transaction did Curtis Howse report at Synchrony Financial (SYF)?

Curtis Howse reported selling 52,556 shares of Synchrony Financial common stock. The sale occurred on February 2, 2026, and was reported on a Form 4 insider filing, reflecting a routine disclosure of insider trading activity by a senior executive.

At what price did Curtis Howse sell Synchrony Financial (SYF) shares?

He sold the shares at $72.32 per share. This price applies to the 52,556 common shares reported in the Form 4 transaction dated February 2, 2026, and is disclosed as the sale price for that single reported trade.

How many Synchrony Financial (SYF) shares does Curtis Howse own after this sale?

After the reported sale, Curtis Howse directly owns 94,196 shares of Synchrony Financial common stock. This post-transaction balance is disclosed in the Form 4 as the amount of securities beneficially owned following the reported transaction.

Was the Curtis Howse Synchrony Financial (SYF) share sale under a trading plan?

Yes. The Form 4 states the transaction was made pursuant to a Rule 10b5-1 trading plan. That plan was adopted by the reporting person on July 24, 2025, and governed the February 2, 2026 stock sale.

What is Curtis Howse’s role at Synchrony Financial (SYF) in this Form 4?

In this filing, Curtis Howse is identified as an officer of Synchrony Financial. The remarks section describes his title as EVP, CEO--Home & Auto, indicating a senior executive leadership position within the company.

Is the Curtis Howse Form 4 sale a direct or indirect holding transaction in SYF stock?

The Form 4 classifies the transaction as a direct holding. The ownership form box shows "D" for direct, meaning the 52,556 shares sold and the remaining 94,196 shares are reported as directly owned by Curtis Howse.