Director Ellen Zane granted 883 RSUs at Synchrony (NYSE: SYF)

Rhea-AI Filing Summary

Zane Ellen M reported acquisition or exercise transactions in this Form 4 filing.

Synchrony Financial director Ellen M. Zane received an equity award of 883 restricted stock units of common stock. The units were valued at $68.02 per share for reporting purposes and are scheduled to vest in full on March 31, 2027, assuming conditions are met.

Each restricted stock unit represents a contingent right to receive one Synchrony Financial common share. After this grant, Zane’s reported direct holdings total 31,426 shares, reflecting a routine, compensation-related award rather than an open-market purchase.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Zane Ellen M

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	883	$68.02	$60K

Holdings After Transaction: Common Stock — 31,426 shares (Direct)

Footnotes (1)

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Key Figures

RSUs granted: 883 units Grant value per unit: $68.02 per share Total shares after grant: 31,426 shares +1 more

4 metrics

RSUs granted 883 units Restricted stock unit award to director Ellen M. Zane

Grant value per unit $68.02 per share Reported value used in Form 4 for RSU grant

Total shares after grant 31,426 shares Direct holdings following the reported RSU award

Vesting date March 31, 2027 Date when the 883 restricted stock units vest in full

Key Terms

restricted stock units, contingent right, common stock

3 terms

restricted stock units financial

"Represents restricted stock units that will vest in full on March 31, 2027."

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

contingent right financial

"Each restricted stock unit represents a contingent right to receive one share"

common stock financial

"one share of Synchrony Financial common stock"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

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).

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^*

Zane Ellen M

(Last) (First) (Middle)

777 LONG RIDGE ROAD

C/O SYNCHRONY FINANCIAL

(Street)

STAMFORD CONNECTICUT 06902

(City) (State) (Zip)

UNITED STATES

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/31/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	03/31/2026(1)		A		883	A	$68.02	31,426	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 March 31, 2027. 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	04/02/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What did Synchrony Financial (SYF) director Ellen M. Zane receive in this Form 4?

Ellen M. Zane received an equity award of 883 restricted stock units of Synchrony Financial common stock. This compensation-related grant is reported as an acquisition, not an open-market purchase, and increases her direct holdings as reflected in the filing.

At what value were Ellen M. Zane’s new Synchrony (SYF) restricted stock units reported?

The 883 restricted stock units were reported at a value of $68.02 per share. This figure is used for disclosure and accounting purposes in the Form 4 and does not necessarily reflect a cash transaction in the open market.

When do Ellen M. Zane’s 883 Synchrony (SYF) restricted stock units vest?

The 883 restricted stock units are scheduled to vest in full on March 31, 2027. Upon vesting, each unit represents a contingent right to convert into one share of Synchrony Financial common stock, assuming applicable vesting conditions are satisfied.

How many Synchrony Financial (SYF) shares does Ellen M. Zane hold after this grant?

Following the grant, Ellen M. Zane’s reported direct holdings total 31,426 shares. This figure includes the impact of the new restricted stock unit award as shown in the Form 4, giving investors a snapshot of her updated ownership position.

Is Ellen M. Zane’s Synchrony (SYF) Form 4 transaction a market buy or a compensation award?

The transaction is a compensation-related award, not an open-market stock purchase. It is coded as a grant or award acquisition, reflecting 883 restricted stock units that vest over time rather than shares bought on the public market.

What does each restricted stock unit in Ellen M. Zane’s Synchrony (SYF) award represent?

Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial common stock. The units convert into actual shares only upon vesting, as described in the Form 4 footnote, subject to applicable conditions.