SYF Form 4: 8,000 shares sold, 6,400 gifted by director

Rhea-AI Filing Summary

Synchrony Financial reported a Form 4 for a director detailing two transactions on 11/03/2025. The insider sold 8,000 shares of common stock at a $73.93 weighted average price, with individual trades ranging from $73.69 to $74.21. The filing also shows a charitable gift of 6,400 shares. These moves were made under a Rule 10b5-1 trading plan adopted on July 25, 2025. Shares beneficially owned following the sale were 35,769.

Insider Trade Summary

Net Seller: 8,000 shares ($591,440)

Net Sell 2 txns

Insider COVIELLO ARTHUR W JR

Role Director

Sold 8,000 shs ($591K)

Type	Security	Shares	Price	Value
Gift	Common Stock	6,400	$0.00	--
Sale	Common Stock	8,000	$73.93	$591K

Holdings After Transaction: Common Stock — 43,769 shares (Direct)

Footnotes (1)

1. These transactions were made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 25, 2025. Represents shares donated by the Reporting Person as charitable gifts. This price is a weighted average price. These shares were sold in multiple transactions at prices ranging from $73.69 to $74.21. Information regarding the number of shares sold at each price will be provided upon request.

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^*

COVIELLO ARTHUR W JR

(Last) (First) (Middle)

C/O SYNCHRONY FINANCIAL

777 LONG RIDGE ROAD

(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)

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

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/03/2025		G		6,400(1)(2)	D	$0	43,769	D
Common Stock	11/03/2025		S		8,000(1)	D	$73.93(3)	35,769	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. These transactions were made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 25, 2025.

2. Represents shares donated by the Reporting Person as charitable gifts.

3. This price is a weighted average price. These shares were sold in multiple transactions at prices ranging from $73.69 to $74.21. Information regarding the number of shares sold at each price will be provided upon request.

Remarks:

	/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.

FAQ

What insider transactions did SYF disclose in this Form 4?

A director sold 8,000 shares at a $73.93 weighted average price and made a charitable gift of 6,400 shares on 11/03/2025.

Was the SYF insider trading under a Rule 10b5-1 plan?

Yes. The transactions were made under a Rule 10b5-1 trading plan adopted on July 25, 2025.

What was the price range for the SYF share sales?

The weighted average sale price was $73.93, with trades ranging from $73.69 to $74.21.

How many SYF shares does the insider hold after these transactions?

Following the reported transactions, the insider beneficially owned 35,769 shares.

What type of gift was reported in the SYF Form 4?

A charitable gift of 6,400 shares of common stock was reported (transaction code G at $0 price).

What is the ticker and issuer in this Form 4?

The issuer is Synchrony Financial with ticker SYF.