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: COVIELLO ARTHUR W JR CIK: 0001206587 Role: Director --- Non-Derivative Transactions --- [Transaction #1] Security: Dividend Equivalent Unit Date: 2026-08-17 | Code: A (Grant or award) Shares: +14 | Price: $80.75 Total Value: $1,130.50 Shares Owned After: 26,156 | 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. 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. [F1] Represents dividend equivalent units accrued on August 17, 2026 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. [Transaction #2] Security: Common Stock Date: 2026-08-17 | Code: L Shares: +11 | Price: $80.60 Total Value: $886.60 Shares Owned After: 26,166 | Ownership: D (Direct) Footnotes: [F2] Shares acquired pursuant to a broker dividend reinvestment plan. [F3] 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. 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: Shares acquired pursuant to a broker dividend reinvestment plan. F3: Balance adjusted to account for rounding of fractional shares over time. --- Signature --- /s/ /s/ Danielle Do as attorney-in-fact (2026-08-19)