HomeComparePFLT vs SYF

PFLT vs SYF: Dividend Comparison 2026

PFLT yields 15.85% · SYF yields 1.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $12.0K in total portfolio value· pulled ahead in Year 10
10 years
PFLT
PFLT
● Live price
15.85%
Share price
$7.76
Annual div
$1.23
5Y div CAGR
5.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.4K
Annual income
$9,644.04
Full PFLT 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 — PFLT vs SYF

📍 SYF pulled ahead of the other in Year 10

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 PeriodPFLTSYF
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, PFLT + SYF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PFLT
Annual income on $10K today (after 15% tax)
$1,347.29/yr
After 10yr DRIP, annual income (after tax)
$8,197.43/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 $17,813.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PFLT: 50%SYF: 50%
100% SYF50/50100% PFLT
Portfolio after 10yr
$84.4K
Annual income
$20,122.56/yr
Blended yield
23.85%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SYF right now

PFLT
Analyst Ratings
5
Buy
5
Hold
Consensus: Buy
Price Target
$10.00
+28.9% upside vs current
Range: $9.50 — $10.50
Altman Z
0.3
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)

PFLT buys
0
SYF buys
0
No recent congressional trades found for PFLT or SYF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPFLTSYF
Forward yield15.85%1.82%
Annual dividend / share$1.23$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR5.7%49.4%
Portfolio after 10y$78.4K$90.4K
Annual income after 10y$9,644.04$30,601.07
Total dividends collected$47.2K$64.6K
Payment frequencyquarterlyquarterly
SectorBDCFinancials
Analyst consensusBuyBuy
Analyst price target$10.00$90.08

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

YearPFLT PortfolioPFLT Income/yrSYF PortfolioSYF Income/yrGap
1$12,375$1,675.40$10,972$271.60+$1.4KPFLT
2$15,290$2,048.18$12,156$416.06+$3.1KPFLT
3$18,860$2,499.79$13,650$643.63+$5.2KPFLT
4$23,226$3,046.02$15,615$1,009.16+$7.6KPFLT
5$28,558$3,705.62$18,320$1,611.86+$10.2KPFLT
6$35,058$4,500.87$22,243$2,640.44+$12.8KPFLT
7$42,970$5,458.17$28,276$4,476.19+$14.7KPFLT
8$52,586$6,608.75$38,200$7,945.19+$14.4KPFLT
9$64,257$7,989.52$55,862$14,987.29+$8.4KPFLT
10← crossover$78,399$9,644.04$90,373$30,601.07$12.0KSYF

PFLT vs SYF: Complete Analysis 2026

PFLTBDC

PennantPark Floating Rate Capital Ltd. is a business development company. It seeks to make secondary direct, debt, equity, and loan investments. The fund seeks to invest through floating rate loans in private or thinly traded or small market-cap, public middle market companies. It primarily invests in the United States and to a limited extent non-U.S. companies. The fund typically invests between $2 million and $20 million. The fund also invests in equity securities, such as preferred stock, common stock, warrants or options received in connection with debt investments or through direct investments. It primarily invests between $10 million and $50 million in investments in senior secured loans and mezzanine debt. It seeks to invest in companies not rated by national rating agencies. The companies if rated would be between BB and CCC under the Standard & Poor's system. The fund invests 30% is invested in non-qualifying assets like investments in public companies whose securities are not thinly traded or do not have a market capitalization of less than $250 million, securities of middle-market companies located outside of the United States, high-yield bonds, distressed debt, private equity, securities of public companies that are not thinly traded, and investment companies as defined in the 1940 Act. Under normal conditions, the fund expects atleast 80 percent of its net assets plus any borrowings for investment purposes to be invested in Floating Rate Loans and investments with similar economic characteristics, including cash equivalents invested in money market funds. It expects to represent 65 percent of its portfolio through senior secured loans. In case of floating rate loans, it holds investments for a period of three to ten years.

Full PFLT 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.