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SYF vs COP: Dividend Comparison 2026

SYF yields 1.82% · COP yields 2.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 COP wins by $86.60M 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 →
COP
COP
● Live price
2.44%
Share price
$132.89
Annual div
$3.24
5Y div CAGR
96.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$86.69M
Annual income
$79,275,909.08
Full COP calculator →

Portfolio growth — SYF vs COP

📍 COP 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 PeriodSYFCOP
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, SYF + COP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SYF pays
COP 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
COP
Annual income on $10K today (after 15% tax)
$207.24/yr
After 10yr DRIP, annual income (after tax)
$67,384,522.72/yr
At 15% tax rate, COP beats the other by $67,358,511.81/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SYF: 50%COP: 50%
100% COP50/50100% SYF
Portfolio after 10yr
$43.39M
Annual income
$39,653,255.08/yr
Blended yield
91.39%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COP 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
COP
Analyst Ratings
1
Strong
37
Buy
11
Hold
3
Sell
Consensus: Buy
Price Target
$116.79
-12.1% upside vs current
Range: $98.00 — $133.00
Altman Z
3.4
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
COP buys
0
No recent congressional trades found for SYF or COP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSYFCOP
Forward yield1.82%2.44%
Annual dividend / share$1.20$3.24
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR49.4%96.6%
Portfolio after 10y$90.4K$86.69M
Annual income after 10y$30,601.07$79,275,909.08
Total dividends collected$64.6K$86.10M
Payment frequencyquarterlyquarterly
SectorFinancialsEnergy
Analyst consensusBuyBuy
Analyst price target$90.08$116.79

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

YearSYF PortfolioSYF Income/yrCOP PortfolioCOP Income/yrGap
1← crossover$10,972$271.60$11,179$479.33$207.00COP
2$12,156$416.06$12,946$984.58$790.00COP
3$13,650$643.63$15,948$2,095.01$2.3KCOP
4$15,615$1,009.16$21,806$4,741.70$6.2KCOP
5$18,320$1,611.86$35,245$11,912.61$16.9KCOP
6$22,243$2,640.44$73,090$35,377.72$50.8KCOP
7$28,276$4,476.19$213,006$134,800.18$184.7KCOP
8$38,200$7,945.19$949,732$721,815.83$911.5KCOP
9$55,862$14,987.29$6,929,588$5,913,373.93$6.87MCOP
10$90,373$30,601.07$86,690,568$79,275,909.08$86.60MCOP

SYF vs COP: 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 →

COPEnergy

ConocoPhillips explores for, produces, transports, and markets crude oil, bitumen, natural gas, liquefied natural gas (LNG), and natural gas liquids worldwide. It primarily engages in the conventional and tight oil reservoirs, shale gas, heavy oil, LNG, oil sands, and other production operations. The company's portfolio includes unconventional plays in North America; conventional assets in North America, Europe, Asia, and Australia; various LNG developments; oil sands assets in Canada; and an inventory of conventional and unconventional exploration prospects. ConocoPhillips was founded in 1917 and is headquartered in Houston, Texas.

Full COP 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.