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SYF DRIP Calculator & Dividend Yield 2026
1.68% YieldFinancial ServicesSynchrony Financial · NYSE
Price: $73.64 · Annual div: $1.24/share · Frequency: quarterly · Payout ratio: 13% · Ex-div: 2026-11-05
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Annual dividend income growth
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🎯 When SYF pays your bills
Year your monthly dividend income covers each expense (based on current settings)
SYF Dividend History — Last 42 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-11-05Latest | 2026-11-16 | $0.3400 | — | — |
| 2026-08-05 | 2026-08-17 | $0.3400 | 1.59% | $77.84 |
| 2026-05-05 | 2026-05-15 | $0.3000 | 1.58% | $75.76 |
| 2026-02-06 | 2026-02-17 | $0.3000 | 1.63% | $73.52 |
| 2025-11-05 | 2025-11-17 | $0.3000 | 1.55% | $74.01 |
| 2025-08-05 | 2025-08-15 | $0.3000 | 1.63% | $67.53 |
| 2025-05-05 | 2025-05-15 | $0.3000 | 2.01% | $52.31 |
| 2025-02-03 | 2025-02-18 | $0.2500 | 1.48% | $67.54 |
| 2024-11-04 | 2024-11-15 | $0.2500 | 1.81% | $55.25 |
| 2024-08-05 | 2024-08-15 | $0.2500 | 2.06% | $48.56 |
| 2024-05-03 | 2024-05-15 | $0.2500 | 2.27% | $43.96 |
| 2024-02-02 | 2024-02-15 | $0.2500 | 3.13% | $38.61 |
| 2023-10-31 | 2023-11-09 | $0.2500 | 3.16% | $30.37 |
| 2023-07-28 | 2023-08-10 | $0.2500 | 3.40% | $34.38 |
| 2023-05-01 | 2023-05-12 | $0.2300 | 3.19% | $28.87 |
| 2023-02-03 | 2023-02-17 | $0.2300 | 3.20% | $35.31 |
| 2022-10-31 | 2022-11-10 | $0.2300 | 3.01% | $29.86 |
| 2022-07-29 | 2022-08-11 | $0.2300 | 3.88% | $28.59 |
| 2022-04-29 | 2022-05-12 | $0.2200 | 3.13% | $35.16 |
| 2022-02-09 | 2022-02-17 | $0.2200 | 2.05% | $42.88 |
| 2021-10-29 | 2021-11-12 | $0.2200 | 2.20% | $49.91 |
| 2021-07-30 | 2021-08-12 | $0.2200 | 2.25% | $48.87 |
| 2021-04-30 | 2021-05-13 | $0.2200 | 2.64% | $41.66 |
| 2021-02-04 | 2021-02-16 | $0.2200 | 3.17% | $34.69 |
| 2020-10-30 | 2020-11-12 | $0.2200 | — | — |
| 2020-07-31 | 2020-08-13 | $0.2200 | — | — |
| 2020-05-01 | 2020-05-14 | $0.2200 | — | — |
| 2020-02-06 | 2020-02-13 | $0.2200 | — | — |
| 2019-11-01 | 2019-11-14 | $0.2200 | — | — |
| 2019-08-02 | 2019-08-15 | $0.2200 | — | — |
| 2019-05-03 | 2019-05-16 | $0.2100 | — | — |
| 2019-02-01 | 2019-02-14 | $0.2100 | — | — |
| 2018-11-02 | 2018-11-15 | $0.2100 | — | — |
| 2018-08-03 | 2018-08-16 | $0.2100 | — | — |
| 2018-05-04 | 2018-05-17 | $0.1500 | — | — |
| 2018-02-02 | 2018-02-15 | $0.1500 | — | — |
| 2017-11-03 | 2017-11-16 | $0.1500 | — | — |
| 2017-08-03 | 2017-08-17 | $0.1500 | — | — |
| 2017-05-04 | 2017-05-18 | $0.1300 | — | — |
| 2017-02-02 | 2017-02-16 | $0.1300 | — | — |
| 2016-11-03 | 2016-11-17 | $0.1300 | — | — |
| 2016-08-10 | 2016-08-25 | $0.1300 | — | — |
About Synchrony Financial (SYF) — Dividend Analysis 2026
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.
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Forward dividend yield from the latest data · open any DRIP calculator
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🌍 SYF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold SYF.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.68% | -1.12% | $168 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.43% | -1.37% | $143 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.34% | -1.46% | $134 / yr |
| 🇬🇧 UK ISA | 0% | 1.68% | -1.12% | $168 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.53% | -1.27% | $153 / yr |
| 🇨🇦 TFSA | 0% | 1.68% | -1.12% | $168 / yr |
| 🇨🇦 CA Taxable | 25% | 1.26% | -1.54% | $126 / yr |
| 🇦🇺 Super (pension) | 15% | 1.43% | -1.37% | $143 / yr |
| 🇦🇺 AU Taxable | 30% | 1.18% | -1.62% | $118 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.24% | -1.56% | $124 / yr |
| 🇫🇷 FR Taxable | 30% | 1.18% | -1.62% | $118 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 SYF Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.24/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 SYF Dividend Payment Schedule
SYF pays quarterly — 4 times per year. Ex-div: 2026-11-05.
📊 SYF vs Financial Services Benchmarks
How SYF compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SYF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ SYF Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K | ||
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K | ||
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K | ||
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K | ||
| A-Award | 2026-09-30 | 1,287 | $70.97 | $91.3K | ||
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K | ||
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K | ||
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K | ||
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K | ||
| A-Award | 2026-09-30 | 846 | $70.97 | $60.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare SYF with peers: SYF vs BBDO · SYF vs FITB · SYF vs IX
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the SYF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Synchrony Financial (SYF) is currently trading at $73.64, 17% below its 52-week high. The current dividend yield is 1.68% based on an annual payout of $1.24 per share.
Synchrony Financial Offers High Safety and Strong Growth Potential at an Attractive Valuation
AI SummarySynchrony Financial presents a compelling profile for dividend growth investors, trading at a low P/E ratio of 7.8 with a market capitalization of $23.5B. The company distributes an annual dividend of $1.24, yielding 1.72% at a current share price of $72.16. Dividend safety is exceptionally high, supported by a conservative payout ratio of just 13%, which leaves substantial room for future capital returns. The firm demonstrates a solid growth trajectory, boasting a 5-year dividend CAGR of 8.4%. Given the exceptionally low payout ratio and strong earnings coverage, the current yield is highly sustainable and positioned for continued double-digit or high single-digit annual increases, barring severe macroeconomic shocks.
- Credit default risks during economic downturns
- Regulatory pressures on credit card fees and interest rates
Generated by AI using live market data. For educational purposes only — not financial advice.
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LiveHow investors use the SYF dividend calculator
Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.