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MS vs SYF: Dividend Comparison 2026

MS yields 2.48% · SYF yields 1.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MS wins by $167.34M in total portfolio value
10 years
MS
MS
● Live price
2.48%
Share price
$158.32
Annual div
$3.93
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$167.43M
Annual income
$155,391,640.16
Full MS 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 — MS vs SYF

📍 MS 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 PeriodMSSYF
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, MS + SYF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MS
Annual income on $10K today (after 15% tax)
$210.73/yr
After 10yr DRIP, annual income (after tax)
$132,082,894.14/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, MS beats the other by $132,056,883.23/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MS: 50%SYF: 50%
100% SYF50/50100% MS
Portfolio after 10yr
$83.76M
Annual income
$77,711,120.62/yr
Blended yield
92.78%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MS right now

MS
Analyst Ratings
27
Buy
24
Hold
Consensus: Buy
Price Target
$196.00
+23.8% upside vs current
Range: $165.00 — $220.00
Altman Z
0.4
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)

MS buys
0
SYF buys
0
No recent congressional trades found for MS or SYF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMSSYF
Forward yield2.48%1.82%
Annual dividend / share$3.93$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%49.4%
Portfolio after 10y$167.43M$90.4K
Annual income after 10y$155,391,640.16$30,601.07
Total dividends collected$166.51M$64.6K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyBuy
Analyst price target$196.00$90.08

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

YearMS PortfolioMS Income/yrSYF PortfolioSYF Income/yrGap
1← crossover$11,196$495.85$10,972$271.60+$224.00MS
2$13,017$1,037.65$12,156$416.06+$861.00MS
3$16,183$2,255.06$13,650$643.63+$2.5KMS
4$22,557$5,240.32$15,615$1,009.16+$6.9KMS
5$37,788$13,652.33$18,320$1,611.86+$19.5KMS
6$83,183$42,749.57$22,243$2,640.44+$60.9KMS
7$264,902$175,896.68$28,276$4,476.19+$236.6KMS
8$1,330,469$1,047,023.74$38,200$7,945.19+$1.29MMS
9$11,252,891$9,829,288.79$55,862$14,987.29+$11.20MMS
10$167,432,233$155,391,640.16$90,373$30,601.07+$167.34MMS

MS vs SYF: Complete Analysis 2026

MSFinancials

Morgan Stanley, a financial holding company, provides various financial products and services to corporations, governments, financial institutions, and individuals in the Americas, Europe, the Middle East, Africa, and Asia. It operates through Institutional Securities, Wealth Management, and Investment Management segments. The Institutional Securities segment offers capital raising and financial advisory services, including services related to the underwriting of debt, equity, and other securities, as well as advice on mergers and acquisitions, restructurings, real estate, and project finance. This segment also provides sales and trading services, such as sales, financing, prime brokerage, and market-making services in equity and fixed income products consisting of foreign exchange and commodities; corporate and commercial real estate loans, which provides secured lending facilities and financing for sales and trading customers, and asset-backed and mortgage lending; and wealth management services, investment, and research services. The Wealth Management segment offers financial advisor-led brokerage and investment advisory services; self-directed brokerage services; financial and wealth planning services; workplace services, including stock plan administration; annuity and insurance products; securities-based lending, residential real estate loans, and other lending products; banking; and retirement plan services to individual investors and small to medium-sized businesses and institutions. The Investment Management segment provides equity, fixed income, liquidity, and alternative/other products to benefit/defined contribution plans, foundations, endowments, government entities, sovereign wealth funds, insurance companies, and third-party fund sponsors and corporations through institutional and intermediary channels. Morgan Stanley was founded in 1924 and is headquartered in New York, New York.

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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.