Synchrony Financial director awarded 660 restricted stock units

Synchrony Financial reported an equity award to one of its directors.

Accepted by SEC EDGAR 01/05/2026 - 05:54 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Synchrony Financial reported an equity award to one of its directors. On December 31, 2025, the director acquired 660 shares of Synchrony Financial common stock in the form of restricted stock units at a reference price of $83.43 per share. After this transaction, the director beneficially owns 3,972 shares of common stock directly.

The 660 restricted stock units will vest in full on December 31, 2026, and each unit represents a contingent right to receive one share of Synchrony Financial common stock. This filing reflects a routine director equity grant rather than an open-market stock purchase or sale.

Insider Trade Summary

Grant/Award: 660 shares

Grant/Award 1 txn

Insider COLAO DANIEL O

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	660	$83.43	$55K

Holdings After Transaction: Common Stock — 3,972 shares (Direct)

Holdings Before and After: Common Stock, 3,312 to 3,972 shares (Direct)

Footnotes (1)

1. F1. Represents restricted stock units that will vest in full on December 31, 2026. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Synchrony Financial (SYF) report in this filing?

A Synchrony Financial director reported acquiring 660 restricted stock units of Synchrony Financial common stock as of December 31, 2025.

How many Synchrony Financial shares does the director own after this transaction?

Following the reported transaction, the director beneficially owns 3,972 shares of Synchrony Financial common stock directly.

When do the newly granted Synchrony Financial restricted stock units vest?

The 660 restricted stock units will vest in full on December 31, 2026, according to the filing.

What does each restricted stock unit represent for Synchrony Financial (SYF)?

Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock upon vesting.

Was this Synchrony Financial insider transaction a stock sale or a grant?

The filing describes an equity grant of restricted stock units to a director, not an open-market purchase or sale.

What price is associated with the Synchrony Financial restricted stock unit grant?

The filing reports a price of $83.43 per share for the 660 restricted stock units acquired on December 31, 2025.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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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^*

COLAO DANIEL O

(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)
12/31/2025

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	12/31/2025(1)		A		660	A	$83.43	3,972	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 restricted stock units that will vest in full on December 31, 2026. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock.

Remarks:

	/s/ Danielle Do, as attorney-in-fact	01/05/2026
	** 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.