HomeCompareSYF vs CARR

SYF vs CARR: Dividend Comparison 2026

SYF yields 1.82% · CARR yields 1.68%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CARR wins by $31.08M in total portfolio value
10 years
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 →
CARR
CARR
● Live price
1.68%
Share price
$54.36
Annual div
$0.92
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.17M
Annual income
$27,977,126.68
Full CARR calculator →

Portfolio growth — SYF vs CARR

📍 CARR 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 PeriodSYFCARR
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, SYF + CARR cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SYF
Annual income on $10K today (after 15% tax)
$154.52/yr
After 10yr DRIP, annual income (after tax)
$26,010.91/yr
CARR
Annual income on $10K today (after 15% tax)
$143.07/yr
After 10yr DRIP, annual income (after tax)
$23,780,557.68/yr
At 15% tax rate, CARR beats the other by $23,754,546.77/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SYF: 50%CARR: 50%
100% CARR50/50100% SYF
Portfolio after 10yr
$15.63M
Annual income
$14,003,863.88/yr
Blended yield
89.59%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on SYF right now

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
CARR
Analyst Ratings
13
Buy
11
Hold
1
Sell
Consensus: Buy
Price Target
$67.88
+24.9% upside vs current
Range: $55.00 — $74.00
Altman Z
2.4
Piotroski
6/9
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)

SYF buys
0
CARR buys
0
No recent congressional trades found for SYF or CARR in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSYFCARR
Forward yield1.82%1.68%
Annual dividend / share$1.20$0.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR49.4%100%
Portfolio after 10y$90.4K$31.17M
Annual income after 10y$30,601.07$27,977,126.68
Total dividends collected$64.6K$30.90M
Payment frequencyquarterlyquarterly
SectorFinancialsIndustrials
Analyst consensusBuyBuy
Analyst price target$90.08$67.88

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

YearSYF PortfolioSYF Income/yrCARR PortfolioCARR Income/yrGap
1← crossover$10,972$271.60$11,037$336.64$65.00CARR
2$12,156$416.06$12,504$694.47$348.00CARR
3$13,650$643.63$14,850$1,470.63$1.2KCARR
4$15,615$1,009.16$19,154$3,264.56$3.5KCARR
5$18,320$1,611.86$28,365$7,870.58$10.0KCARR
6$22,243$2,640.44$52,137$21,786.34$29.9KCARR
7$28,276$4,476.19$130,637$74,850.27$102.4KCARR
8$38,200$7,945.19$490,339$350,558.26$452.1KCARR
9$55,862$14,987.29$2,984,115$2,459,451.41$2.93MCARR
10$90,373$30,601.07$31,170,129$27,977,126.68$31.08MCARR

SYF vs CARR: Complete Analysis 2026

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 →

CARRIndustrials

Carrier Global Corporation provides heating, ventilating, and air conditioning (HVAC), refrigeration, fire, security, and building automation technologies worldwide. It operates through three segments: HVAC, Refrigeration, and Fire & Security. The HVAC segment provides products, controls, services, and solutions to meet the heating, cooling, and ventilation needs of residential and commercial customers. Its products include air conditioners, heating systems, controls, and aftermarket components, as well as aftermarket repair and maintenance services and building automation solutions. The Refrigeration segment offers transport refrigeration and monitoring products and services, as well as digital solutions for trucks, trailers, shipping containers, intermodal applications, food retail, and warehouse cooling; and commercial refrigeration solutions, such as refrigerated cabinets, freezers, systems, and controls. The Fire & Security segment provides various residential, commercial, and industrial technologies, including fire, flame, gas, smoke, and carbon monoxide detection; portable fire extinguishers; fire suppression systems; intruder alarms; access control systems; video management systems; and electronic controls. Its other fire and security service offerings comprise audit, design, installation, and system integration, as well as aftermarket maintenance and repair and monitoring services. The company offers its products under the Autronica, Det-Tronics, Edwards, Fireye, GST, Kidde, LenelS2, Marioff, Onity, and Supra; Carrier, Automated Logic, Bryant, CIAT, Day & Night, Heil, NORESCO, and Riello; and Carrier Commercial Refrigeration, Carrier Transicold, and Sensitech brands. The company was incorporated in 2019 and is headquartered in Palm Beach Gardens, Florida.

Full CARR 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.