Insider Trading March 4, 2026

Synchrony Financial EVP Disposes $878,875 in Stock While Receiving Vesting RSUs

Bart Schaller executes a planned sale under a 10b5-1 schedule and records RSU vesting; company updates include Q4 2025 results and new CareCredit integrations

By Derek Hwang SYF
Synchrony Financial EVP Disposes $878,875 in Stock While Receiving Vesting RSUs
SYF

Synchrony Financial Executive Vice President and CEO - Digital Bart Schaller executed a scheduled sale of 12,980 shares on March 2, 2026, under a Rule 10b5-1 plan, generating $878875. Separately, 14,610 restricted stock units vested on March 1, 2026, valued at $1009697, with 9,895 shares withheld to satisfy related taxes. After these movements Schaller directly holds 34,035 shares. The insider activity coincides with Synchrony trading at a P/E of 7.47 near InvestingPro’s Fair Value estimate and follows the company’s Q4 2025 earnings report and new CareCredit partnerships.

Key Points

  • Bart Schaller executed a planned sale of 12,980 Synchrony shares on March 2, 2026, under a Rule 10b5-1 plan, receiving $878875.
  • On March 1, 2026, 14,610 restricted stock units vested and were recorded at $69.11 each for a total value of $1009697; 9,895 shares were withheld for taxes valued at $683843.
  • The insider moves coincide with Synchrony trading at a P/E of 7.47 near InvestingPro’s Fair Value estimate and follow Q4 2025 results and new CareCredit integrations impacting consumer finance and healthcare-facing platforms.

Executive Vice President and CEO - Digital Bart Schaller of Synchrony Financial (NYSE:SYF) carried out a planned sale of company stock and concurrently had a block of restricted stock units vest in early March 2026, according to a regulatory filing.

On March 2, 2026, Schaller sold 12,980 shares of Synchrony common stock at a price of $67.71 per share, resulting in proceeds of $878875. That disposition was made pursuant to a Rule 10b5-1 trading plan that Schaller adopted on October 29, 2025, the Form 4 filing shows.

Separately, the filing indicates Schaller acquired 14,610 shares of Synchrony common stock on March 1, 2026. Those shares reflect restricted stock units that vested and were valued at $69.11 apiece, amounting to a total value of $1009697. The RSUs vest in three equal annual installments, beginning on the first anniversary of the grant date, with each unit representing a contingent right to receive one share of Synchrony Financial common stock.

Also on the vesting date, Synchrony withheld 9,895 shares to cover the tax liability tied to the RSU vesting. Those withheld shares were valued at $69.11 each, for a cumulative value of $683843. After accounting for the sale, the newly vested units and the tax withholding, Schaller's direct ownership stands at 34,035 shares of Synchrony Financial common stock.


Valuation context and investor signals

The insider activity occurred while Synchrony Financial is trading at a price-to-earnings ratio of 7.47 and is quoted near InvestingPro's Fair Value estimate, which the InvestingPro note interprets as the shares potentially being slightly undervalued. An InvestingPro tip included in the filing materials highlights that the company delivers a high shareholder yield, and cites a $23.87 billion market capitalization combined with consistent dividend growth as supporting factors. InvestingPro also offers a Pro Research Report covering this company and more than 1,400 other U.S. equities for readers seeking deeper valuation and performance analysis.


Recent company performance and strategic partnerships

Synchrony announced fourth-quarter 2025 results that showed net earnings of $751 million, or $2.04 per diluted share, matching analyst expectations for earnings per share. Revenue for the quarter totaled $3.79 billion, however, which missed the anticipated $3.84 billion figure.

On the strategic front, Synchrony expanded its partnership with Planet DDS to integrate the CareCredit financing solution across dental practice management platforms, including Denticon and Cloud 9. The company noted this multi-year arrangement marks Synchrony’s first integration into an orthodontic-specific practice management system. Synchrony also entered a partnership with Weave to bring CareCredit patient financing into Weave’s platform for healthcare businesses.


Analyst commentary

In a recent update, Baird raised its rating on Synchrony Financial from Neutral to Outperform, pointing to solid pre-provision net revenue trends and favorable credit metrics. Baird set a price target of $83.00 and framed recent weakness in consumer finance stocks as a potential buying opportunity for investors.


All transactions and metrics reported above are drawn from the company's regulatory filing and published company results. The Form 4 documents the insider transactions and the company disclosures detail earnings, partnerships and analyst action as noted.

Risks

  • Revenue shortfall risk: Synchrony’s Q4 2025 revenue of $3.79 billion missed the expected $3.84 billion, indicating potential near-term top-line pressure in consumer finance.
  • Market and sector uncertainty: Commentary notes recent weaknesses in consumer finance stocks, a factor Baird referenced when upgrading the rating but which implies broader sector volatility.
  • Tax-related share reduction: The withholding of 9,895 vested shares to cover taxes reduced the net share output from the RSU vesting, affecting insider ownership calculations.

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