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SYF vs T: Dividend Comparison 2026

SYF yields 1.82% · T yields 3.86%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SYF wins by $84.8K 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 →
T
AT&T Inc.
● Live price
3.86%
Share price
$28.79
Annual div
$1.11
5Y div CAGR
-45.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$5.6K
Annual income
$0.96
Full T calculator →

Portfolio growth — SYF vs T

📍 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 PeriodSYFT
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 + T cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SYF pays
T pays
Both pay
Neither
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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
T
Annual income on $10K today (after 15% tax)
$327.72/yr
After 10yr DRIP, annual income (after tax)
$0.82/yr
At 15% tax rate, SYF beats the other by $26,010.09/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SYF + T for your $10,000?

SYF: 50%T: 50%
100% T50/50100% SYF
Portfolio after 10yr
$48.0K
Annual income
$15,301.02/yr
Blended yield
31.88%
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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
T
Analyst Ratings
1
Strong
26
Buy
29
Hold
5
Sell
Consensus: Hold
Price Target
$28.88
+0.3% upside vs current
Range: $20.00 — $33.00
Altman Z
1.0
Piotroski
7/9
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
T buys
0
No recent congressional trades found for SYF or T in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSYFT
Forward yield1.82%3.86%
Annual dividend / share$1.20$1.11
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR49.4%-45.4%
Portfolio after 10y$90.4K$5.6K
Annual income after 10y$30,601.07$0.96
Total dividends collected$64.6K$471.00
Payment frequencyquarterlyquarterly
SectorFinancialsTelecom
Analyst consensusBuyHold
Analyst price target$90.08$28.88

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

YearSYF PortfolioSYF Income/yrT PortfolioT Income/yrGap
1← crossover$10,972$271.60$9,601$210.51+$1.4KSYF
2$12,156$416.06$9,132$117.52+$3.0KSYF
3$13,650$643.63$8,640$65.00+$5.0KSYF
4$15,615$1,009.16$8,149$35.76+$7.5KSYF
5$18,320$1,611.86$7,672$19.61+$10.6KSYF
6$22,243$2,640.44$7,214$10.73+$15.0KSYF
7$28,276$4,476.19$6,780$5.87+$21.5KSYF
8$38,200$7,945.19$6,370$3.21+$31.8KSYF
9$55,862$14,987.29$5,983$1.75+$49.9KSYF
10$90,373$30,601.07$5,619$0.96+$84.8KSYF

SYF vs T: 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 →

TTelecom

AT&T Inc. provides telecommunications, media, and technology services worldwide. Its Communications segment offers wireless voice and data communications services; and sells handsets, wireless data cards, wireless computing devices, and carrying cases and hands-free devices through its own company-owned stores, agents, and third-party retail stores. It also provides data, voice, security, cloud solutions, outsourcing, and managed and professional services, as well as customer premises equipment for multinational corporations, small and mid-sized businesses, governmental, and wholesale customers. In addition, this segment offers broadband fiber and legacy telephony voice communication services to residential customers. It markets its communications services and products under the AT&T, Cricket, AT&T PREPAID, and AT&T Fiber brand names. The company's Latin America segment provides wireless services in Mexico; and video services in Latin America. This segment markets its services and products under the AT&T and Unefon brand names. The company was formerly known as SBC Communications Inc. and changed its name to AT&T Inc. in 2005. AT&T Inc. was incorporated in 1983 and is headquartered in Dallas, Texas.

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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.