HomeComparePM vs SYF

PM vs SYF: Dividend Comparison 2026

PM yields 3.49% · SYF yields 1.82%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $40.7K in total portfolio value· pulled ahead in Year 8
10 years
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM 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 — PM vs SYF

📍 SYF pulled ahead of the other in Year 8

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodPMSYF
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, PM + SYF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/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 $23,883.69/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PM: 50%SYF: 50%
100% SYF50/50100% PM
Portfolio after 10yr
$70.0K
Annual income
$16,551.85/yr
Blended yield
23.64%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SYF right now

PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
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)

PM buys
0
SYF buys
0
No recent congressional trades found for PM or SYF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPMSYF
Forward yield3.49%1.82%
Annual dividend / share$5.76$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR17.2%49.4%
Portfolio after 10y$49.6K$90.4K
Annual income after 10y$2,502.61$30,601.07
Total dividends collected$11.8K$64.6K
Payment frequencyquarterlyquarterly
SectorConsumer StaplesFinancials
Analyst consensusBuyBuy
Analyst price target$194.30$90.08

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

YearPM PortfolioPM Income/yrSYF PortfolioSYF Income/yrGap
1$11,650$409.56$10,972$271.60+$678.00PM
2$13,592$497.49$12,156$416.06+$1.4KPM
3$15,882$605.21$13,650$643.63+$2.2KPM
4$18,589$737.41$15,615$1,009.16+$3.0KPM
5$21,794$899.94$18,320$1,611.86+$3.5KPM
6$25,597$1,100.16$22,243$2,640.44+$3.4KPM
7$30,118$1,347.30$28,276$4,476.19+$1.8KPM
8← crossover$35,505$1,652.97$38,200$7,945.19$2.7KSYF
9$41,940$2,031.88$55,862$14,987.29$13.9KSYF
10$49,643$2,502.61$90,373$30,601.07$40.7KSYF

PM vs SYF: Complete Analysis 2026

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

Full PM 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 →
📬

Get this PM vs SYF comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

PM vs MOPM vs BTIPM vs KOPM vs PEPPM vs PGPM vs SCHDPM vs JEPIPM vs O

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.