ROY A. GUTHRIE - 17 Feb 2026 Form 4 Insider Report for Synchrony Financial (SYF)

Role: Director
Signature: /s/ Danielle Do, as attorney in fact
Issuer symbol: SYF
Transactions as of: 17 Feb 2026
Net transactions value: +$10,557
Form type: 4
Filing time: 19 Feb 2026, 16:03:32 UTC
Previous filing: 13 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
GUTHRIE ROY A	Director	C/O SYNCHRONY FINANCIAL, 777 LONG RIDGE ROAD, STAMFORD	/s/ Danielle Do, as attorney in fact	19 Feb 2026	0001013182

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	SYF	Dividend Equivalent Unit	Award	$10,557	+146	+0.38%	$72.31	38,880	17 Feb 2026	Direct	F1
holding	SYF	Common Stock						34,106	17 Feb 2026	See footnote	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Represents dividend equivalent units accrued on February 17, 2026 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.

Content

Represents dividend equivalent units accrued on February 17, 2026 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.

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.