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: GUTHRIE ROY A (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-11-17	Dividend Equivalent Unit	A	148	$70.47	Acquired	38074	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	34106	Indirect

Footnotes

F1: Represents dividend equivalent units accrued on November 17, 2025 as dividends that were paid on the common shares underlying restricted stock units and deferred stock units previously granted to the Reporting Person under the Company's Long-Term Incentive Plans and Non-Employee Director Deferred Compensation Plan. Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock.

F2: Mr. Guthrie is the Investment Manager of Guthrie 2012 Investments LP, which owns 34,106 shares of common stock. Mr. Guthrie disclaims beneficial ownership of the shares of common stock held by Guthrie 2012 Investments LP, except to the extent of his direct pecuniary interest therein.