Insider Trading March 4, 2026

Synchrony Executive Disposes $293,725 in Shares as Company Reports Mixed Q4 Results

Courtney Gentleman sold 4,338 shares while receiving restricted stock units; Synchrony posts in-line EPS, misses revenue and expands CareCredit partnerships

By Sofia Navarro SYF
Synchrony Executive Disposes $293,725 in Shares as Company Reports Mixed Q4 Results
SYF

An executive at Synchrony Financial disposed of roughly $294,000 in common stock this week under a pre-established trading plan, while also receiving restricted stock units that will vest over three years. The company reported fourth-quarter 2025 earnings that matched earnings-per-share expectations but missed revenue targets, and announced partnerships to broaden CareCredit use in healthcare and dental practices. A recent analyst upgrade cited valuation and employment trends.

Key Points

  • Courtney Gentleman sold 4,338 Synchrony shares on March 2, 2026, for $67.71 each, totaling $293,725, under a Rule 10b5-1 plan.
  • Gentleman received 9,768 restricted stock units on March 1, 2026, vesting in three equal annual installments, valued at $69.11 per share for a total of $675,066; 3,452 shares were withheld to cover taxes ($238,567).
  • Synchrony reported Q4 2025 net earnings of $751 million ($2.04 per diluted share), meeting EPS expectations but missing revenue estimates at $3.79 billion versus $3.84 billion forecast.

Courtney Gentleman, an executive at Synchrony Financial (NYSE:SYF), executed the sale of 4,338 shares of common stock on March 2, 2026, according to a Form 4 filing with the Securities and Exchange Commission. The shares were sold at $67.71 each, producing proceeds of $293,725. The transaction was carried out under a Rule 10b5-1 trading plan that Gentleman adopted on November 5, 2025.

The filing also indicates that Gentleman acquired 9,768 shares on March 1, 2026. Those shares were received as restricted stock units (RSUs) that will vest in three equal annual installments, each installment representing a contingent right to receive one share of Synchrony Financial common stock. The RSUs were recorded at a price of $69.11 per share, for a total reported value of $675,066.

On the same March 1 filing date, the company withheld 3,452 shares to satisfy tax liabilities connected to the vesting of a portion of those restricted stock units. The withheld shares were valued at $69.11 each, totaling $238,567.

After these actions, Gentleman directly owns 19,831 shares of Synchrony Financial common stock.


Context for the transaction: Synchrony shares were trading at $68.66 at the time of the reporting, reflecting a 17% decline year-to-date. Despite the pullback, the stock was noted as carrying a low price-to-earnings multiple of 7.47.

Separately, Synchrony reported fourth-quarter 2025 results that aligned with analysts' expectations on a per-share basis but fell short on revenue. The company posted net earnings of $751 million, or $2.04 per diluted share, matching consensus forecasts. Revenue for the period came in at $3.79 billion, versus anticipated revenue of $3.84 billion.

On the strategic front, Synchrony outlined partnerships intended to broaden adoption of its CareCredit patient financing product. The company is working with Weave to integrate CareCredit into healthcare platforms to streamline financing for patients and operational steps for providers. It also expanded a strategic relationship with Planet DDS to embed CareCredit across dental practice management systems, with an explicit aim of reaching more than 2,500 orthodontic practices.

In market coverage developments, Baird upgraded Synchrony Financial's rating from Neutral to Outperform, citing the stock's valuation and positive employment trends as supportive factors for the upgrade. Separately, analysis from InvestingPro cited Fair Value calculations that indicate the stock appears undervalued, and noted that additional research is available through a comprehensive Pro Research Report covering SYF and other U.S. equities.

These items - the insider transactions, the quarter that met EPS but missed revenue, partnership extensions for CareCredit, and the analyst upgrade - together frame the most recent public developments around Synchrony Financial and its stock.

Risks

  • Revenue shortfall risk - Synchrony's Q4 2025 revenue missed consensus estimates, which could pressure top-line expectations for the consumer finance sector.
  • Insider selling - The executive sale, though done under a 10b5-1 plan, may be interpreted by some market participants as a liquidity action and could influence perceptions in financial services stocks.
  • Execution and adoption risk for partnerships - The planned expansion of CareCredit into healthcare and dental platforms targets operational integration; actual uptake across intended practices is an execution risk that impacts payment solutions and healthcare finance segments.

More from Insider Trading

Guidewire CEO Executes Pre-Arranged Sale as Company Launches $500M Buyback Mar 4, 2026 Intuitive Surgical EVP Sells $2.36M in Stock Amid Robust Q4 Results Mar 4, 2026 USANA CIO Disposes of 4,553 Shares as Company Updates Revenue Outlook Mar 4, 2026 Meta CFO Susan J. Li Disposes $36.4 Million in Class A Shares Mar 4, 2026 AppTech Payments Director Adds $31,350 in Stock Across Two Trades; Debt Terms Amended Mar 4, 2026