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AFL vs SYF: Dividend Comparison 2026

AFL yields 2.17% · SYF yields 1.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 AFL wins by $91.99M in total portfolio value
10 years
AFL
AFL
● Live price
2.17%
Share price
$108.17
Annual div
$2.35
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$92.09M
Annual income
$84,603,960.82
Full AFL calculator →
SYF
SYF
● Live price
1.82%
Share price
$66.01
Annual div
$1.20
5Y div CAGR
49.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$90.4K
Annual income
$30,601.07
Full SYF calculator →

Portfolio growth — AFL vs SYF

📍 AFL pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodAFLSYF
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, AFL + SYF cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
AFL pays
SYF pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

AFL
Annual income on $10K today (after 15% tax)
$184.66/yr
After 10yr DRIP, annual income (after tax)
$71,913,366.70/yr
SYF
Annual income on $10K today (after 15% tax)
$154.52/yr
After 10yr DRIP, annual income (after tax)
$26,010.91/yr
At 15% tax rate, AFL beats the other by $71,887,355.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of AFL + SYF for your $10,000?

AFL: 50%SYF: 50%
100% SYF50/50100% AFL
Portfolio after 10yr
$46.09M
Annual income
$42,317,280.95/yr
Blended yield
91.82%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SYF right now

AFL
Analyst Ratings
9
Buy
18
Hold
4
Sell
Consensus: Hold
Price Target
$113.83
+5.2% upside vs current
Range: $101.00 — $125.00
Altman Z
1.4
Piotroski
5/9
SYF
Analyst Ratings
26
Buy
14
Hold
1
Strong
Consensus: Buy
Price Target
$90.08
+36.5% upside vs current
Range: $81.00 — $100.00
Altman Z
0.1
Piotroski
7/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

AFL buys
7
SYF buys
0
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$AFL▲ Buy$1,001 - $15,0002025-07-25
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-07-18
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-07-18
Carol Devine Miller🏢 House$AFL▲ Buy$1,001 - $15,0002025-03-10
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002025-01-17
Ro Khanna🏢 House$AFL▼ Sell$1,001 - $15,0002024-01-10
Ro Khanna🏢 House$AFL▼ Sell$15,001 - $50,0002023-10-31
Ro Khanna🏢 House$AFL▲ Buy$15,001 - $50,0002023-10-10
Ro Khanna🏢 House$AFL▼ Sell$15,001 - $50,0002023-08-03
Shelley Moore Capito🏛 Senate$AFL▼ Sell$1,001 - $15,0002023-08-02
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAFLSYF
Forward yield2.17%1.82%
Annual dividend / share$2.35$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%49.4%
Portfolio after 10y$92.09M$90.4K
Annual income after 10y$84,603,960.82$30,601.07
Total dividends collected$91.49M$64.6K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusHoldBuy
Analyst price target$113.83$90.08

Year-by-year: AFL vs SYF ($10,000, DRIP)

YearAFL PortfolioAFL Income/yrSYF PortfolioSYF Income/yrGap
1← crossover$11,135$434.50$10,972$271.60+$163.00AFL
2$12,818$904.29$12,156$416.06+$662.00AFL
3$15,661$1,945.86$13,650$643.63+$2.0KAFL
4$21,201$4,443.84$15,615$1,009.16+$5.6KAFL
5$33,930$11,244.55$18,320$1,611.86+$15.6KAFL
6$69,941$33,636.25$22,243$2,640.44+$47.7KAFL
7$204,437$129,599.44$28,276$4,476.19+$176.2KAFL
8$926,813$708,065.90$38,200$7,945.19+$888.6KAFL
9$6,991,715$6,000,024.58$55,862$14,987.29+$6.94MAFL
10$92,085,096$84,603,960.82$90,373$30,601.07+$91.99MAFL

AFL vs SYF: Complete Analysis 2026

AFLFinancials

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.

Full AFL Calculator →

SYFFinancials

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

Full SYF Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.