Howse Curtis 4

What Happened
Curtis Howse, EVP and CEO—Home & Auto at Synchrony Financial, had 67,590 Performance Share Units (PSUs) vest on 2026-01-21, resulting in the acquisition of 67,590 shares valued at $77.13 each (total $5,213,217). The company withheld 29,322 of those shares to satisfy the reporting person’s tax withholding obligation (disposition valued at $2,261,606). Net newly received shares = 38,268.

Key Details

• Transaction date: 2026-01-21; per-share valuation used in the filing: $77.13.
• Award/Acquisition (A): 67,590 shares — $5,213,217 total.
• Tax withholding/Disposition (F): 29,322 shares — $2,261,606 total.
• Shares owned after transaction: not disclosed in the Form 4. Net increase in holdings from this vesting event: 38,268 shares.
• Footnotes: F1 = shares earned from vesting of PSUs under Synchrony’s 2023–2025 Long‑Term Performance Program; F2 = shares withheld by the company to pay the reporting person’s tax liability.
• Filing timeliness: Form 4 filed 2026-01-23 for a 2026-01-21 event — timely (no late filing flag).

Context
This was a routine vesting of long-term performance awards, not an open-market purchase or voluntary sale. The F-code disposal reflects company withholding shares to cover taxes (a common cashless-withholding method), not an active sale on the market. Such awards are compensation-related and do not by themselves indicate immediate insider sentiment about the stock.