FERNANDO AGUIRRE - 17 Nov 2025 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 Nov 2025
Transactions value $: $1,057
Form type: 4
Filing time: 19 Nov 2025, 17:12:40 UTC
Previous filing: 02 Oct 2025
Next filing: 21 Nov 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
AGUIRRE FERNANDO	Director	C/O SYNCHRONY FINANCIAL, 777 LONG RIDGE ROAD, STAMFORD	/s/ Danielle Do as attorney in fact	19 Nov 2025	0001224983

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	SYF	Dividend Equivalent Unit	Award	$1.06K	+15	+0.05%	$70.47	27.9K	17 Nov 2025	Direct	F1
holding	SYF	Common Stock						15.3K	17 Nov 2025	By Family Trusts

* 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 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.

Content

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.