Synchrony Financial (SYF)

=== SEC Form 4 — Statement of Changes in Beneficial Ownership === Document Type: 4 Period of Report: 2026-08-17 10b5-1 Pre-arranged Plan: No --- Issuer --- Name: Synchrony Financial (SYF) CIK: 0001601712 --- Reporting Owner --- Name: NAYLOR JEFFREY G CIK: 0001191210 Role: Director --- Non-Derivative Transactions --- [Transaction #1] Security: Dividend Equivalent Unit Date: 2026-08-17 | Code: A (Grant or award) Shares: +203 | Price: $80.75 Total Value: $16,392.25 Shares Owned After: 65,617 | Ownership: D (Direct) Footnotes: [F1] Represents dividend equivalent units accrued on August 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. [F1] Represents dividend equivalent units accrued on August 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] Balance adjusted to account for rounding of fractional shares over time. --- Footnotes (Complete Index) --- F1: Represents dividend equivalent units accrued on August 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: Balance adjusted to account for rounding of fractional shares over time. --- Signature --- /s/ /s/ Danielle Do, as attorney in fact (2026-08-19)