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: GUTHRIE ROY A CIK: 0001013182 Role: Director --- Non-Derivative Transactions --- [Transaction #1] Security: Dividend Equivalent Unit Date: 2026-08-17 | Code: A (Grant or award) Shares: +156 | Price: $80.75 Total Value: $12,597.00 Shares Owned After: 40,855 | 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. --- Holdings --- [Holding #1] Security: Common Stock Ownership: I (Indirect) Footnotes: [F3] Mr. Guthrie is the Investment Manager of Guthrie 2012 Investments LP, which owns 34,106 shares of common stock. Mr. Guthrie disclaims beneficial ownership of the shares of common stock held by Guthrie 2012 Investments LP, except to the extent of his direct pecuniary interest therein. --- 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. F3: Mr. Guthrie is the Investment Manager of Guthrie 2012 Investments LP, which owns 34,106 shares of common stock. Mr. Guthrie disclaims beneficial ownership of the shares of common stock held by Guthrie 2012 Investments LP, except to the extent of his direct pecuniary interest therein. --- Signature --- /s/ /s/ Danielle Do, as attorney in fact (2026-08-19)