HomeCompareBAC vs SYF

BAC vs SYF: Dividend Comparison 2026

BAC yields 2.33% · SYF yields 1.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BAC wins by $18.6K in total portfolio value
10 years
BAC
BAC
● Live price
2.33%
Share price
$47.23
Annual div
$1.10
5Y div CAGR
47.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$109.0K
Annual income
$39,185.81
Full BAC 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 — BAC vs SYF

📍 BAC 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 PeriodBACSYF
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, BAC + SYF cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
BAC pays
SYF pays
Both pay
Neither
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Tax Bracket Optimizer

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

BAC
Annual income on $10K today (after 15% tax)
$197.97/yr
After 10yr DRIP, annual income (after tax)
$33,307.94/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, BAC beats the other by $7,297.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BAC: 50%SYF: 50%
100% SYF50/50100% BAC
Portfolio after 10yr
$99.7K
Annual income
$34,893.45/yr
Blended yield
35.01%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BAC right now

BAC
Analyst Ratings
35
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$60.33
+27.7% upside vs current
Range: $50.00 — $71.00
Altman Z
-0.3
Piotroski
6/9
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)

BAC buys
0
SYF buys
0
No recent congressional trades found for BAC or SYF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBACSYF
Forward yield2.33%1.82%
Annual dividend / share$1.10$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR47.1%49.4%
Portfolio after 10y$109.0K$90.4K
Annual income after 10y$39,185.81$30,601.07
Total dividends collected$81.7K$64.6K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyBuy
Analyst price target$60.33$90.08

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

YearBAC PortfolioBAC Income/yrSYF PortfolioSYF Income/yrGap
1← crossover$11,043$342.60$10,972$271.60+$71.00BAC
2$12,336$520.10$12,156$416.06+$180.00BAC
3$13,998$798.75$13,650$643.63+$348.00BAC
4$16,224$1,246.06$15,615$1,009.16+$609.00BAC
5$19,345$1,985.44$18,320$1,611.86+$1.0KBAC
6$23,954$3,254.61$22,243$2,640.44+$1.7KBAC
7$31,171$5,540.30$28,276$4,476.19+$2.9KBAC
8$43,264$9,911.45$38,200$7,945.19+$5.1KBAC
9$65,205$18,912.41$55,862$14,987.29+$9.3KBAC
10$108,955$39,185.81$90,373$30,601.07+$18.6KBAC

BAC vs SYF: Complete Analysis 2026

BACFinancials

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and investment accounts and products; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The company's Global Wealth & Investment Management segment offers investment management, brokerage, banking, and trust and retirement products and services; and wealth management solutions, as well as customized solutions, including specialty asset management services. Its Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options and merchant services; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The company's Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. As of December 31, 2021, it served approximately 67 million consumer and small business clients with approximately 4,200 retail financial centers; approximately 16,000 ATMs; and digital banking platforms with approximately 41 million active users. The company was founded in 1784 and is based in Charlotte, North Carolina.

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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.