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SRE vs SYF: Dividend Comparison 2026

SRE yields 2.68% · SYF yields 1.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $63.5K in total portfolio value· pulled ahead in Year 2
10 years
SRE
SRE
● Live price
2.68%
Share price
$96.58
Annual div
$2.59
5Y div CAGR
10.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.8K
Annual income
$925.13
Full SRE 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 — SRE vs SYF

📍 SYF pulled ahead of the other in Year 2

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 PeriodSRESYF
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, SRE + SYF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SRE
Annual income on $10K today (after 15% tax)
$228.17/yr
After 10yr DRIP, annual income (after tax)
$786.36/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 $25,224.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SRE: 50%SYF: 50%
100% SYF50/50100% SRE
Portfolio after 10yr
$58.6K
Annual income
$15,763.11/yr
Blended yield
26.90%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SYF right now

SRE
Analyst Ratings
1
Strong
19
Buy
5
Hold
Consensus: Buy
Price Target
$100.88
+4.5% upside vs current
Range: $89.00 — $112.00
Altman Z
1.1
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)

SRE buys
0
SYF buys
0
No recent congressional trades found for SRE or SYF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSRESYF
Forward yield2.68%1.82%
Annual dividend / share$2.59$1.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.1%49.4%
Portfolio after 10y$26.8K$90.4K
Annual income after 10y$925.13$30,601.07
Total dividends collected$5.6K$64.6K
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusBuyBuy
Analyst price target$100.88$90.08

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

YearSRE PortfolioSRE Income/yrSYF PortfolioSYF Income/yrGap
1$10,996$295.54$10,972$271.60+$24.00SRE
2← crossover$12,100$334.38$12,156$416.06$56.00SYF
3$13,325$378.61$13,650$643.63$325.00SYF
4$14,687$429.05$15,615$1,009.16$928.00SYF
5$16,202$486.59$18,320$1,611.86$2.1KSYF
6$17,888$552.33$22,243$2,640.44$4.4KSYF
7$19,768$627.49$28,276$4,476.19$8.5KSYF
8$21,865$713.51$38,200$7,945.19$16.3KSYF
9$24,208$812.08$55,862$14,987.29$31.7KSYF
10$26,827$925.13$90,373$30,601.07$63.5KSYF

SRE vs SYF: Complete Analysis 2026

SREUtilities

Sempra operates as an energy-services holding company in the United States and internationally. The company's San Diego Gas & Electric Company segment provides electric services; and supplies natural gas. It offers electric services to approximately 3.6 million population and natural gas services to approximately 3.3 million population that covers 4,100 square miles. Its Southern California Gas Company segment owns and operates a natural gas distribution, transmission, and storage system that supplies natural gas to a population of approximately 22 million covering an area of 24,000 square miles. The company's Sempra Texas Utilities segment engages in the regulated transmission and distribution of electricity serving 3.8 million homes and businesses, and operation of 140,000 miles of transmission and distribution lines. Its transmission system includes 18,249 circuit miles of transmission lines, a total of 1,174 transmission and distribution substations, and interconnection to 130 third-party generation facilities totaling 45,403 megawatts. The company was formerly known as Sempra Energy and changed its name to Sempra in July 2021. Sempra was founded in 1998 and is headquartered in San Diego, California.

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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.