HomeCompareSYF vs PAYX

SYF vs PAYX: Dividend Comparison 2026

SYF yields 1.82% · PAYX yields 4.64%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PAYX wins by $3.46M 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 →
PAYX
PAYX
● Live price
4.64%
Share price
$93.12
Annual div
$4.32
5Y div CAGR
62.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$3.55M
Annual income
$2,654,302.74
Full PAYX calculator →

Portfolio growth — SYF vs PAYX

📍 PAYX 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 PeriodSYFPAYX
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 + PAYX cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SYF pays
PAYX 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
PAYX
Annual income on $10K today (after 15% tax)
$394.33/yr
After 10yr DRIP, annual income (after tax)
$2,256,157.33/yr
At 15% tax rate, PAYX beats the other by $2,230,146.42/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SYF: 50%PAYX: 50%
100% PAYX50/50100% SYF
Portfolio after 10yr
$1.82M
Annual income
$1,342,451.91/yr
Blended yield
73.70%
📊

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
PAYX
Analyst Ratings
4
Buy
20
Hold
6
Sell
Consensus: Hold
Price Target
$117.00
+25.6% upside vs current
Range: $98.00 — $135.00
Altman Z
2.6
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
PAYX buys
0
No recent congressional trades found for SYF or PAYX in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSYFPAYX
Forward yield1.82%4.64%
Annual dividend / share$1.20$4.32
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR49.4%62.1%
Portfolio after 10y$90.4K$3.55M
Annual income after 10y$30,601.07$2,654,302.74
Total dividends collected$64.6K$3.45M
Payment frequencyquarterlyquarterly
SectorFinancialsTechnology
Analyst consensusBuyHold
Analyst price target$90.08$117.00

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

YearSYF PortfolioSYF Income/yrPAYX PortfolioPAYX Income/yrGap
1← crossover$10,972$271.60$11,452$752.01$480.00PAYX
2$12,156$416.06$13,558$1,304.68$1.4KPAYX
3$13,650$643.63$16,847$2,340.07$3.2KPAYX
4$15,615$1,009.16$22,432$4,405.11$6.8KPAYX
5$18,320$1,611.86$32,888$8,885.61$14.6KPAYX
6$22,243$2,640.44$54,926$19,735.78$32.7KPAYX
7$28,276$4,476.19$108,704$49,933.81$80.4KPAYX
8$38,200$7,945.19$266,029$149,714.93$227.8KPAYX
9$55,862$14,987.29$839,718$555,067.61$783.9KPAYX
10$90,373$30,601.07$3,552,801$2,654,302.74$3.46MPAYX

SYF vs PAYX: 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 →

PAYXTechnology

Paychex, Inc. provides integrated human capital management solutions for human resources (HR), payroll, benefits, and insurance services for small to medium-sized businesses in the United States, Europe, and India. It offers payroll processing services; payroll tax administration services; employee payment services; and regulatory compliance services, such as new-hire reporting and garnishment processing. The company also provides HR solutions, including payroll, employer compliance, HR and employee benefits administration, risk management outsourcing, and the on-site availability of a professionally trained HR representative; and retirement services administration, including plan implementation, ongoing compliance with government regulations, employee and employer reporting, participant and employer online access, electronic funds transfer, and other administrative services. In addition, it offers cloud-based HR administration software products for employee benefits management and administration, time and attendance, digital communication solutions, recruiting, and onboarding solutions; plan administration outsourcing and state unemployment insurance services; various business services to small to medium-sized businesses comprising payroll funding and outsourcing services, which include payroll processing, invoicing, and tax preparation; and payment processing services, financial fitness programs, and a small-business loan resource center. Further, the company provides insurance services for property and casualty coverage, such as workers' compensation, business-owner policies, cyber security protection, and commercial auto, as well as health and benefits coverage, including health, dental, vision, and life. It markets and sells its services primarily through its direct sales force. The company was founded in 1971 and is headquartered in Rochester, New York.

Full PAYX 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.