HomeCompareARCC vs SYF

ARCC vs SYF: Dividend Comparison 2026

ARCC yields 10.82% · SYF yields 1.82%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $65.8K in total portfolio value· pulled ahead in Year 4
10 years
ARCC
Ares Capital Corporation
● Live price
10.82%
Share price
$17.74
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.16
Full ARCC 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 — ARCC vs SYF

📍 SYF pulled ahead of the other in Year 4

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 PeriodARCCSYF
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%.
📅

Dividend Calendar Overlap

Combined, ARCC + SYF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/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, SYF beats the other by $26,009.92/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ARCC: 50%SYF: 50%
100% SYF50/50100% ARCC
Portfolio after 10yr
$57.5K
Annual income
$15,301.12/yr
Blended yield
26.63%
📊

Analyst Conviction Gap

Where Wall Street is split right now

ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+23.3% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

ARCC buys
13
SYF buys
0
PoliticianChamberTickerTypeAmountDate
John Fetterman🏛 Senate$ARCC▲ Buy$1,001 - $15,0002025-09-09
John Fetterman🏛 Senate$ARCC▼ Sell$1,001 - $15,0002025-09-04
Ashley Moody🏛 Senate$ARCC▲ Buy$15,001 - $50,0002025-04-04
John Fetterman🏛 Senate$ARCC▲ Buy$1,001 - $15,0002025-02-18
Dave McCormick🏛 Senate$ARCC▲ Buy$250,001 - $500,0002025-01-17
Pete Sessions🏢 House$ARCC▼ Sell$1,001 - $15,0002023-11-01
Pete Sessions🏢 House$ARCC▲ Buy$569.252023-10-06
Pete Sessions🏢 House$ARCC▲ Buy$0 - $1,0002023-10-06
Pete Sessions🏢 House$ARCC▲ Buy$155.922023-08-15
Pete Sessions🏢 House$ARCC▲ Buy$0 - $1,0002023-08-15
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricARCCSYF
Forward yield10.82%1.82%
Annual dividend / share$1.92$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%49.4%
Portfolio after 10y$24.5K$90.4K
Annual income after 10y$1.16$30,601.07
Total dividends collected$1.1K$64.6K
Payment frequencyquarterlyquarterly
SectorBDCFinancials
Analyst consensusBuyBuy
Analyst price target$21.88$90.08

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

YearARCC PortfolioARCC Income/yrSYF PortfolioSYF Income/yrGap
1$11,381$541.15$10,972$271.60+$409.00ARCC
2$12,621$284.08$12,156$416.06+$465.00ARCC
3$13,827$145.31$13,650$643.63+$177.00ARCC
4← crossover$15,062$73.43$15,615$1,009.16$553.00SYF
5$16,364$36.89$18,320$1,611.86$2.0KSYF
6$17,757$18.49$22,243$2,640.44$4.5KSYF
7$19,258$9.25$28,276$4,476.19$9.0KSYF
8$20,880$4.63$38,200$7,945.19$17.3KSYF
9$22,636$2.32$55,862$14,987.29$33.2KSYF
10$24,539$1.16$90,373$30,601.07$65.8KSYF

ARCC vs SYF: Complete Analysis 2026

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.