HomeCompareSYF vs ECL

SYF vs ECL: Dividend Comparison 2026

SYF yields 1.82% · ECL yields 1.05%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $58.6K 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 →
ECL
ECL
● Live price
1.05%
Share price
$262.49
Annual div
$2.76
5Y div CAGR
36.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.8K
Annual income
$3,316.22
Full ECL calculator →

Portfolio growth — SYF vs ECL

📍 SYF 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 PeriodSYFECL
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 + ECL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SYF pays
ECL 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
ECL
Annual income on $10K today (after 15% tax)
$89.37/yr
After 10yr DRIP, annual income (after tax)
$2,818.79/yr
At 15% tax rate, SYF beats the other by $23,192.12/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SYF: 50%ECL: 50%
100% ECL50/50100% SYF
Portfolio after 10yr
$61.1K
Annual income
$16,958.65/yr
Blended yield
27.77%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ECL 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
ECL
Analyst Ratings
26
Buy
10
Hold
1
Sell
Consensus: Buy
Price Target
$326.30
+24.3% upside vs current
Range: $300.00 — $345.00
Altman Z
4.8
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
ECL buys
0
No recent congressional trades found for SYF or ECL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSYFECL
Forward yield1.82%1.05%
Annual dividend / share$1.20$2.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR49.4%36.1%
Portfolio after 10y$90.4K$31.8K
Annual income after 10y$30,601.07$3,316.22
Total dividends collected$64.6K$10.4K
Payment frequencyquarterlyquarterly
SectorFinancialsMaterials
Analyst consensusBuyBuy
Analyst price target$90.08$326.30

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

YearSYF PortfolioSYF Income/yrECL PortfolioECL Income/yrGap
1← crossover$10,972$271.60$10,843$143.10+$129.00SYF
2$12,156$416.06$11,799$197.37+$357.00SYF
3$13,650$643.63$12,899$273.19+$751.00SYF
4$15,615$1,009.16$14,181$379.86+$1.4KSYF
5$18,320$1,611.86$15,705$531.22+$2.6KSYF
6$22,243$2,640.44$17,553$748.30+$4.7KSYF
7$28,276$4,476.19$19,845$1,063.78+$8.4KSYF
8$38,200$7,945.19$22,764$1,529.81+$15.4KSYF
9$55,862$14,987.29$26,590$2,232.07+$29.3KSYF
10$90,373$30,601.07$31,768$3,316.22+$58.6KSYF

SYF vs ECL: 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 →

ECLMaterials

Ecolab Inc. provides water, hygiene, and infection prevention solutions and services in the United States and internationally. The company operates through Global Industrial, Global Institutional & Specialty, and Global Healthcare & Life Sciences segments. The Global Industrial segment offers water treatment and process applications, and cleaning and sanitizing solutions to manufacturing, food and beverage processing, transportation, chemical, metals and mining, power generation, pulp and paper, commercial laundry, petroleum, refining, and petrochemical industries. The Global Institutional & Specialty segment provides specialized cleaning and sanitizing products to the foodservice, hospitality, lodging, government and education, and retail industries. Its Global Healthcare & Life Sciences segment offers specialized cleaning and sanitizing products to the healthcare, personal care, and pharmaceutical industries, such as infection prevention and surgical solutions, and end-to-end cleaning and contamination control solutions under the Ecolab, Microtek, and Anios brand names. The company's Other segment offers pest elimination services to detect, eliminate, and prevent pests, such as rodents and insects in restaurants, food and beverage processors, educational and healthcare facilities, hotels, quick service restaurant and grocery operations, and other institutional and commercial customers. This segment also provides colloidal silica for binding and polishing applications in semiconductor, catalyst, and aerospace component manufacturing, as well as chemical industries; and products and services that manage wash process through custom designed programs, premium products, dispensing equipment, water and energy management, and reduction, as well as real time data management. It sells its products through field sales and corporate account personnel, distributors, and dealers. The company was founded in 1923 and is headquartered in Saint Paul, Minnesota.

Full ECL 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.