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CNP vs SYF: Dividend Comparison 2026

CNP yields 2.07% · SYF yields 1.82%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $69.0K in total portfolio value
10 years
CNP
CNP
● Live price
2.07%
Share price
$42.99
Annual div
$0.89
5Y div CAGR
-11.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.4K
Annual income
$63.87
Full CNP 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 — CNP vs SYF

📍 SYF 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 PeriodCNPSYF
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, CNP + SYF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CNP
Annual income on $10K today (after 15% tax)
$175.97/yr
After 10yr DRIP, annual income (after tax)
$54.29/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 $25,956.62/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CNP: 50%SYF: 50%
100% SYF50/50100% CNP
Portfolio after 10yr
$55.9K
Annual income
$15,332.47/yr
Blended yield
27.44%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SYF right now

CNP
Analyst Ratings
12
Buy
16
Hold
1
Sell
Consensus: Hold
Price Target
$41.75
-2.9% upside vs current
Range: $37.00 — $47.00
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)

CNP buys
0
SYF buys
0
No recent congressional trades found for CNP or SYF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCNPSYF
Forward yield2.07%1.82%
Annual dividend / share$0.89$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-11.8%49.4%
Portfolio after 10y$21.4K$90.4K
Annual income after 10y$63.87$30,601.07
Total dividends collected$1.2K$64.6K
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusHoldBuy
Analyst price target$41.75$90.08

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

YearCNP PortfolioCNP Income/yrSYF PortfolioSYF Income/yrGap
1← crossover$10,883$182.60$10,972$271.60$89.00SYF
2$11,808$163.80$12,156$416.06$348.00SYF
3$12,781$146.50$13,650$643.63$869.00SYF
4$13,807$130.71$15,615$1,009.16$1.8KSYF
5$14,890$116.39$18,320$1,611.86$3.4KSYF
6$16,035$103.47$22,243$2,640.44$6.2KSYF
7$17,250$91.85$28,276$4,476.19$11.0KSYF
8$18,538$81.44$38,200$7,945.19$19.7KSYF
9$19,908$72.15$55,862$14,987.29$36.0KSYF
10$21,366$63.87$90,373$30,601.07$69.0KSYF

CNP vs SYF: Complete Analysis 2026

CNPUtilities

CenterPoint Energy, Inc. operates as a public utility holding company in the United States. The company operates through Electric and Natural Gas segments. The Electric segment includes electric transmission and distribution services to electric customers and electric generation assets, as well as assets in the wholesale power market. The Natural Gas segment provides natural gas distribution services, as well as home appliance maintenance and repair services to customers in Minnesota; and home repair protection plans to natural gas customers in Arkansas, Indiana, Mississippi, Ohio, Oklahoma, and Texas and Louisiana through a third party. This segment also engages in the sale of regulated intrastate natural gas, and transportation and storage of natural gas for residential, commercial, industrial, and transportation customers. As of December 31, 2021, it served approximately 2.7 million metered customers; owned 239 substation sites with a total installed rated transformer capacity of 71,241 megavolt amperes; operated approximately 1,00,000 linear miles of natural gas distribution and transmission mains; and owned and operated 285 miles of intrastate pipeline in Louisiana, Texas, and Oklahoma. The company was founded in 1866 and is headquartered in Houston, Texas.

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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.