JONATHAN S. MOTHNER - 21 Jan 2026 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: 21 Jan 2026
Net transactions value: +$2,619,103
Form type: 4
Filing time: 23 Jan 2026, 16:13:38 UTC
Previous filing: 19 Nov 2025
Next filing: 19 Feb 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	23 Jan 2026	0001614725

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	SYF	Common Stock	Award	$4,893,436	+63,444	+50%	$77.13	190,544	21 Jan 2026	Direct	F1
transaction	SYF	Common Stock	Tax liability	$2,274,332	-29,487	-15%	$77.13	161,057	21 Jan 2026	Direct	F2

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

Explanation of Responses:

Id	Content
F1	Represents common stock of Synchrony Financial (the "Company") earned by the reporting person in connection with the vesting of Performance Share Units ("PSUs") under the 2023-2025 Long-Term Performance Program based on pre-established performance goals for the 2023-2025 performance period.
F2	Reflects the number of shares of Company common stock withheld by the Company to pay the tax liability of the reporting person in connection with the vesting of the PSUs under the 2023-2025 Long-Term Performance Program.

Remarks:

EVP, Chief Risk and Legal Officer