HomeCompareCMS vs SYF

CMS vs SYF: Dividend Comparison 2026

CMS yields 2.83% · SYF yields 1.82%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $28.9K in total portfolio value· pulled ahead in Year 7
10 years
CMS
CMS
● Live price
2.83%
Share price
$77.58
Annual div
$2.20
5Y div CAGR
34.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$61.4K
Annual income
$13,480.75
Full CMS 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 — CMS vs SYF

📍 SYF pulled ahead of the other in Year 7

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 PeriodCMSSYF
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, CMS + SYF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CMS
Annual income on $10K today (after 15% tax)
$240.77/yr
After 10yr DRIP, annual income (after tax)
$11,458.64/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 $14,552.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CMS: 50%SYF: 50%
100% SYF50/50100% CMS
Portfolio after 10yr
$75.9K
Annual income
$22,040.92/yr
Blended yield
29.04%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SYF right now

CMS
Analyst Ratings
17
Buy
12
Hold
Consensus: Buy
Price Target
$79.63
+2.6% upside vs current
Range: $77.00 — $82.00
Altman Z
0.9
Piotroski
7/9
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)

CMS buys
0
SYF buys
0
No recent congressional trades found for CMS or SYF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCMSSYF
Forward yield2.83%1.82%
Annual dividend / share$2.20$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR34.6%49.4%
Portfolio after 10y$61.4K$90.4K
Annual income after 10y$13,480.75$30,601.07
Total dividends collected$36.7K$64.6K
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusBuyBuy
Analyst price target$79.63$90.08

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

YearCMS PortfolioCMS Income/yrSYF PortfolioSYF Income/yrGap
1$11,081$381.26$10,972$271.60+$109.00CMS
2$12,388$531.47$12,156$416.06+$232.00CMS
3$14,003$747.42$13,650$643.63+$353.00CMS
4$16,046$1,062.75$15,615$1,009.16+$431.00CMS
5$18,701$1,531.92$18,320$1,611.86+$381.00CMS
6$22,256$2,245.94$22,243$2,640.44+$13.00CMS
7← crossover$27,176$3,362.34$28,276$4,476.19$1.1KSYF
8$34,243$5,164.70$38,200$7,945.19$4.0KSYF
9$44,827$8,186.38$55,862$14,987.29$11.0KSYF
10$61,446$13,480.75$90,373$30,601.07$28.9KSYF

CMS vs SYF: Complete Analysis 2026

CMSUtilities

CMS Energy Corporation operates as an energy company primarily in Michigan. The company operates through three segments: Electric Utility; Gas Utility; and Enterprises. The Electric Utility segment is involved in the generation, purchase, transmission, distribution, and sale of electricity. This segment generates electricity through coal, wind, gas, renewable energy, oil, and nuclear sources. Its distribution system comprises 208 miles of high-voltage distribution overhead lines; 4 miles of high-voltage distribution underground lines; 4,428 miles of high-voltage distribution overhead lines; 19 miles of high-voltage distribution underground lines; 82,474 miles of electric distribution overhead lines; 9,395 miles of underground distribution lines; 1,093 substations; and 3 battery facilities. The Gas Utility segment engages in the purchase, transmission, storage, distribution, and sale of natural gas, which includes 2,392 miles of transmission lines; 15 gas storage fields; 28,065 miles of distribution mains; and 8 compressor stations. The Enterprises segment is involved in the independent power production and marketing, including the development and operation of renewable generation. It serves 1.9 million electric and 1.8 million gas customers, including residential, commercial, and diversified industrial customers. The company was incorporated in 1987 and is headquartered in Jackson, Michigan.

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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.