Synchrony Financial (NYSE: SYF) insider share sale and stock grant detailed

Rhea-AI Filing Summary

Synchrony Financial officer Carol Juel reported multiple stock transactions involving company common shares. On March 2, 2026, she completed an open-market sale of 16,859 shares at $67.71 per share under a pre-arranged Rule 10b5-1 trading plan, leaving her with 51,446 directly owned shares after that transaction.

On March 1, 2026, she acquired 24,093 shares through a restricted stock unit grant at a reference price of $69.11 per share. These units vest in three equal annual installments of 33.33%, each representing the right to receive one share. Also on March 1, 14,561 shares were withheld by Synchrony to cover tax liabilities upon vesting, described as a tax-withholding disposition with no investment decision by Juel.

Insider Trade Summary

Net Seller: 16,859 shares ($1,141,523)

Net Sell 3 txns

Insider Juel Carol

Role See remarks

Sold 16,859 shs ($1.14M)

Type	Security	Shares	Price	Value
Sale	Common Stock	16,859	$67.71	$1.14M
Grant/Award	Common Stock	24,093	$69.11	$1.67M
Tax Withholding	Common Stock	14,561	$69.11	$1.01M

Holdings After Transaction: Common Stock — 51,446 shares (Direct)

Footnotes (1)

1. Represents restricted stock units that will vest in three equal annual installments of 33.33% each, beginning on the first anniversary of the grant date. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial (the "Company") common stock. Reflects the number of shares of Company common stock automatically withheld by the Company to pay the tax liability of the reporting person in connection with the vesting of restricted stock units. No investment decision was made by the reporting person in connection with the withholding. This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on November 11, 2025.

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^*

Juel Carol

(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)
03/01/2026

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	03/01/2026		A		24,093(1)	A	$69.11	82,866	D
Common Stock	03/01/2026		F		14,561(2)	D	$69.11	68,305	D
Common Stock	03/02/2026		S		16,859(3)	D	$67.71	51,446	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 three equal annual installments of 33.33% each, beginning on the first anniversary of the grant date. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial (the "Company") common stock.

2. Reflects the number of shares of Company common stock automatically withheld by the Company to pay the tax liability of the reporting person in connection with the vesting of restricted stock units. No investment decision was made by the reporting person in connection with the withholding.

3. This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on November 11, 2025.

Remarks:

EVP, Chief Technology and Operating Officer

	/s/ Danielle Do as attorney in fact	03/03/2026
	** 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 transactions did Synchrony Financial (SYF) officer Carol Juel report?

Carol Juel reported a mix of stock transactions, including an open-market sale, a restricted stock unit grant, and shares withheld for taxes. These involved Synchrony Financial common stock and occurred on March 1 and March 2, 2026, with all positions held directly.

How many Synchrony Financial (SYF) shares did Carol Juel sell and at what price?

Carol Juel sold 16,859 shares of Synchrony Financial common stock at a price of $67.71 per share. The filing notes this was an open-market sale made under a Rule 10b5-1 trading plan, which automatically executes trades based on pre-set instructions.

What stock award did Synchrony Financial (SYF) grant to Carol Juel?

Synchrony Financial granted Carol Juel 24,093 restricted stock units at a reference price of $69.11 per share. These units vest in three equal annual installments of 33.33% each, starting on the first anniversary of the grant date, with each unit convertible into one common share.

Why were some Synchrony Financial (SYF) shares disposed of for taxes in this Form 4?

The filing states 14,561 shares were automatically withheld by Synchrony Financial to pay Carol Juel’s tax liability from vesting restricted stock units. It explicitly notes no investment decision was made by her in connection with this tax-withholding disposition of common stock shares.

How many Synchrony Financial (SYF) shares does Carol Juel hold after these transactions?

After the March 2, 2026 open-market sale, Carol Juel directly owned 51,446 shares of Synchrony Financial common stock. Earlier intermediate balances shown in the filing reflect the impact of the restricted stock unit grant and tax-withholding shares before the final post-transaction holding amount.

Was Carol Juel’s sale of Synchrony Financial (SYF) shares pre-planned?

Yes. A footnote explains the 16,859-share open-market sale on March 2, 2026 was executed under a Rule 10b5-1 trading plan. That plan was adopted on November 11, 2025, allowing trades to occur automatically according to predetermined instructions set in advance.