Curtis Howse - Nov 3, 2025 Form 4 Insider Report for Synchrony Financial (SYF)

Signature
/s/ Danielle Do, as attorney-in-fact
Stock symbol
SYF
Transactions as of
Nov 3, 2025
Transactions value $
-$480,056
Form type
4
Date filed
11/5/2025, 05:31 PM
Previous filing
Aug 19, 2025
Next filing
Nov 19, 2025

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Howse Curtis EVP, CEO--Home & Auto 777 LONG RIDGE ROAD, C/O CORPORATE SECRETARY, STAMFORD /s/ Danielle Do, as attorney-in-fact 2025-11-05 0001839722

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction SYF Common Stock Options Exercise $415K +12.1K +11.16% $34.30 120K Nov 3, 2025 Direct F1
transaction SYF Common Stock Sale -$895K -12.1K -10.04% $74.02 108K Nov 3, 2025 Direct F1

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Underlying Class Amount Exercise Price Ownership Footnotes
transaction SYF Employee Stock Option (right to buy) Options Exercise $0 -12.1K -100% $0.00 0 Nov 3, 2025 Common Stock 12.1K $34.30 Direct F1, F2
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Buy Plan / Sale Plan: These are also open market purchases/sales of shares, but in this case the transaction is part of a trading plan. Rule 10b5-1 allows insiders to setup a trading plan to buy/sell stocks over a certain period of time. Since the purchases/sales are predetermined, this protects the insiders from violating insider trading law.

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).

Explanation of Responses:

Id Content
F1 This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 24, 2025.
F2 The Reporting Person was awarded 12,086 stock options on April 1, 2017, which vested in five equal annual installments of 20% each, beginning on the first anniversary of the grant date.

Remarks:

EVP, CEO--Home & Auto