Synchrony Financial — Director's Dealing 2025

Nov 19, 2025

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: Synchrony Financial (SYF)
CIK: 0001601712
Period of Report: 2025-11-17

Reporting Person: Casellas Alberto (See remarks)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-11-17	Dividend Equivalent Unit	A	213	$70.47	Acquired	57130	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2025-11-17	Phantom Stock Units	$	A	0.78	Acquired		Common Stock (0.78)	Direct

Footnotes

F1: Represents dividend equivalent units accrued on November 17, 2025 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.

F2: The reported phantom stock units were acquired pursuant to a dividend reinvestment feature under the Synchrony Financial Deferred Compensation Plan (the "Deferred Compensation Plan") and are to be settled, in cash, six months following the Reporting Person's separation from service to the Company, subject to the requirements set forth in the Deferred Compensation Plan. Each phantom stock unit is the economic equivalent of one share of Synchrony Financial common stock.