HomeCompareSYF vs MCO

SYF vs MCO: Dividend Comparison 2026

SYF yields 1.82% · MCO yields 0.89%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCO wins by $116.8K in total portfolio value· pulled ahead in Year 7
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 →
MCO
MCO
● Live price
0.89%
Share price
$432.05
Annual div
$3.85
5Y div CAGR
74.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$207.2K
Annual income
$113,279.94
Full MCO calculator →

Portfolio growth — SYF vs MCO

📍 MCO pulled ahead of the other in Year 7

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 PeriodSYFMCO
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 + MCO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SYF pays
MCO 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
MCO
Annual income on $10K today (after 15% tax)
$75.74/yr
After 10yr DRIP, annual income (after tax)
$96,287.95/yr
At 15% tax rate, MCO beats the other by $70,277.04/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SYF: 50%MCO: 50%
100% MCO50/50100% SYF
Portfolio after 10yr
$148.8K
Annual income
$71,940.51/yr
Blended yield
48.36%
📊

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
MCO
Analyst Ratings
18
Buy
13
Hold
1
Sell
Consensus: Buy
Price Target
$543.08
+25.7% upside vs current
Range: $480.00 — $620.00
Altman Z
5.3
Piotroski
8/9
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
MCO buys
0
No recent congressional trades found for SYF or MCO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSYFMCO
Forward yield1.82%0.89%
Annual dividend / share$1.20$3.85
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR49.4%74.8%
Portfolio after 10y$90.4K$207.2K
Annual income after 10y$30,601.07$113,279.94
Total dividends collected$64.6K$178.5K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyBuy
Analyst price target$90.08$543.08

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

YearSYF PortfolioSYF Income/yrMCO PortfolioMCO Income/yrGap
1$10,972$271.60$10,856$155.76+$116.00SYF
2$12,156$416.06$11,892$276.24+$264.00SYF
3$13,650$643.63$13,219$494.35+$431.00SYF
4$15,615$1,009.16$15,042$897.70+$573.00SYF
5$18,320$1,611.86$17,763$1,668.77+$557.00SYF
6$22,243$2,640.44$22,226$3,219.45+$17.00SYF
7← crossover$28,276$4,476.19$30,363$6,580.83$2.1KMCO
8$38,200$7,945.19$47,175$14,686.41$9.0KMCO
9$55,862$14,987.29$87,754$37,276.83$31.9KMCO
10$90,373$30,601.07$207,177$113,279.94$116.8KMCO

SYF vs MCO: 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.

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MCOFinancials

Moody's Corporation operates as an integrated risk assessment firm worldwide. It operates in two segments, Moody's Investors Service and Moody's Analytics. The Moody's Investors Service segment publishes credit ratings and provides assessment services on various debt obligations, programs and facilities, and entities that issue such obligations, such as various corporate, financial institution, and governmental obligations, as well as and structured finance securities. This segment provides ratings in approximately 140 countries. Its ratings are disseminated through press releases to the public through electronic media, including the internet and real-time information systems used by securities traders and investors. This segment has rated approximately 5,000 non-financial corporates; 3,600 financial institutions; 16,000 public finance issuers; 145 sovereigns; 47 supranational institutions; 459 sub-sovereigns; and 1,000 infrastructure and project finance issuers, as well as 9,100 structured finance deals. The Moody's Analytics segment develops a range of products and services that support the risk management activities of institutional participants in financial markets; and offers subscription based research, data, and analytical products comprising credit ratings, credit research, quantitative credit scores and other analytical tools, economic research and forecasts, business intelligence and company information products, commercial real estate data and analytical tools, and on-line and classroom-based training services, as well as credentialing and certification services. It also offers offshore analytical and research services with learning solutions and certification programs; and software solutions, as well as related risk management services. The company was formerly known as Dun and Bradstreet Company and changed its name to Moody's Corporation in September 2000. Moody's Corporation was founded in 1900 and is headquartered in New York, New York.

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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.