JONATHAN S. MOTHNER - 17 Nov 2025 Form 4 Insider Report for Synchrony Financial (SYF)

Role
EVP, Chief Risk and Legal Officer
Signature
/s/ Danielle Do, as attorney in fact
Issuer symbol
SYF
Transactions as of
17 Nov 2025
Net transactions value
-$1,901,228
Form type
4
Filing time
19 Nov 2025, 17:12:01 UTC
Previous filing
19 Aug 2025
Next filing
23 Jan 2026
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
MOTHNER JONATHAN S EVP, Chief Risk and Legal Officer C/O SYNCHRONY FINANCIAL, 777 LONG RIDGE ROAD, STAMFORD /s/ Danielle Do, as attorney in fact 19 Nov 2025 0001614725

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction SYF Dividend Equivalent Unit Award $16,772 +238 +0.16% $70.47 147,100 17 Nov 2025 Direct F1
transaction SYF Common Stock Sale $1,456,000 -20,000 -14% $72.80 127,100 17 Nov 2025 Direct F2
transaction SYF Common Stock Options Exercise $411,600 +12,000 +9.4% $34.30 139,100 17 Nov 2025 Direct F2
transaction SYF Common Stock Sale $873,600 -12,000 -8.6% $72.80 127,100 17 Nov 2025 Direct F2

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 -12,000 -52% $0.000000 11,258 17 Nov 2025 Common Stock 12,000 $34.30 Direct F2, F3
* 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 Represents dividend equivalent units accrued on August 15, 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.
F2 This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 28, 2025.
F3 The Reporting Person was awarded 23,258 employee 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, Chief Risk and Legal Officer