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SYF vs NOW: Dividend Comparison 2026

SYF yields 1.82% · NOW yields 1.91%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $67.9K 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 →
NOW
NOW
● Live price
1.91%
Share price
$104.97
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.5K
Annual income
$215.52
Full NOW calculator →

Portfolio growth — SYF vs NOW

📍 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 PeriodSYFNOW
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 + NOW cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SYF pays
NOW 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
NOW
Annual income on $10K today (after 15% tax)
$161.95/yr
After 10yr DRIP, annual income (after tax)
$183.19/yr
At 15% tax rate, SYF beats the other by $25,827.72/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SYF: 50%NOW: 50%
100% NOW50/50100% SYF
Portfolio after 10yr
$56.4K
Annual income
$15,408.30/yr
Blended yield
27.31%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on NOW 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
NOW
Analyst Ratings
58
Buy
8
Hold
1
Sell
Consensus: Buy
Price Target
$196.29
+87.0% upside vs current
Range: $115.00 — $263.00
Altman Z
6.1
Piotroski
4/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SYF buys
0
NOW buys
0
No recent congressional trades found for SYF or NOW in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSYFNOW
Forward yield1.82%1.91%
Annual dividend / share$1.20$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR49.4%0%
Portfolio after 10y$90.4K$22.5K
Annual income after 10y$30,601.07$215.52
Total dividends collected$64.6K$2.0K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$90.08$196.29

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

YearSYF PortfolioSYF Income/yrNOW PortfolioNOW Income/yrGap
1← crossover$10,972$271.60$10,891$190.53+$81.00SYF
2$12,156$416.06$11,847$193.92+$309.00SYF
3$13,650$643.63$12,873$197.15+$777.00SYF
4$15,615$1,009.16$13,975$200.22+$1.6KSYF
5$18,320$1,611.86$15,156$203.13+$3.2KSYF
6$22,243$2,640.44$16,423$205.89+$5.8KSYF
7$28,276$4,476.19$17,781$208.50+$10.5KSYF
8$38,200$7,945.19$19,236$210.97+$19.0KSYF
9$55,862$14,987.29$20,796$213.31+$35.1KSYF
10$90,373$30,601.07$22,468$215.52+$67.9KSYF

SYF vs NOW: 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 →

NOWStock

ServiceNow, Inc. provides enterprise cloud computing solutions that defines, structures, consolidates, manages, and automates services for enterprises worldwide. It operates the Now platform for workflow automation, artificial intelligence, machine learning, robotic process automation, performance analytics, electronic service catalogs and portals, configuration management systems, data benchmarking, encryption, and collaboration and development tools. The company also provides information technology (IT) service management applications; IT service management product suite for enterprise's employees, customers, and partners; IT business management product suite; IT operations management product that connects a customer's physical and cloud-based IT infrastructure; IT Asset Management to automate IT asset lifecycles; and security operations that connects with internal and third party. In addition, it offers governance, risk, and compliance product to manage risk and resilience; human resources, legal, and workplace service delivery products; safe workplace applications; customer service management product; and field service management applications. Further, it provides App Engine product; IntegrationHub enables application to extend workflows; and professional, industry solutions, and customer support services. It serves government, financial services, healthcare, telecommunications, manufacturing, IT services, technology, oil and gas, education, and consumer products through direct sales team and resale partners. It has a strategic partnership with Celonis to help customers identify and prioritize processes that are suitable for automation. The company was formerly known as Service-now.com and changed its name to ServiceNow, Inc. in May 2012. The company was founded in 2004 and is headquartered in Santa Clara, California.

Full NOW 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.