HomeCompareSYF vs UPS

SYF vs UPS: Dividend Comparison 2026

SYF yields 1.82% · UPS yields 6.91%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UPS wins by $21.51M 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 →
UPS
UPS
● Live price
6.91%
Share price
$94.96
Annual div
$6.56
5Y div CAGR
63.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.60M
Annual income
$17,853,988.84
Full UPS calculator →

Portfolio growth — SYF vs UPS

📍 UPS 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 PeriodSYFUPS
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 + UPS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SYF pays
UPS 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
UPS
Annual income on $10K today (after 15% tax)
$587.23/yr
After 10yr DRIP, annual income (after tax)
$15,175,890.51/yr
At 15% tax rate, UPS beats the other by $15,149,879.60/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SYF: 50%UPS: 50%
100% UPS50/50100% SYF
Portfolio after 10yr
$10.85M
Annual income
$8,942,294.96/yr
Blended yield
82.45%
📊

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
UPS
Analyst Ratings
2
Strong
18
Buy
21
Hold
4
Sell
Consensus: Hold
Price Target
$110.60
+16.5% upside vs current
Range: $85.00 — $128.00
Altman Z
2.9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SYF buys
0
UPS buys
0
No recent congressional trades found for SYF or UPS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSYFUPS
Forward yield1.82%6.91%
Annual dividend / share$1.20$6.56
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR49.4%63.4%
Portfolio after 10y$90.4K$21.60M
Annual income after 10y$30,601.07$17,853,988.84
Total dividends collected$64.6K$21.26M
Payment frequencyquarterlyquarterly
SectorFinancialsIndustrials
Analyst consensusBuyHold
Analyst price target$90.08$110.60

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

YearSYF PortfolioSYF Income/yrUPS PortfolioUPS Income/yrGap
1← crossover$10,972$271.60$11,829$1,128.85$857.00UPS
2$12,156$416.06$14,696$2,039.15$2.5KUPS
3$13,650$643.63$19,594$3,868.78$5.9KUPS
4$15,615$1,009.16$28,842$7,876.90$13.2KUPS
5$18,320$1,611.86$48,568$17,706.64$30.2KUPS
6$22,243$2,640.44$97,500$45,532.94$75.3KUPS
7$28,276$4,476.19$243,915$139,589.70$215.6KUPS
8$38,200$7,945.19$794,268$533,278.88$756.1KUPS
9$55,862$14,987.29$3,501,731$2,651,864.00$3.45MUPS
10$90,373$30,601.07$21,600,841$17,853,988.84$21.51MUPS

SYF vs UPS: 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 →

UPSIndustrials

United Parcel Service, Inc. provides letter and package delivery, transportation, logistics, and related services. It operates through two segments, U.S. Domestic Package and International Package. The U.S. Domestic Package segment offers time-definite delivery of letters, documents, small packages, and palletized freight through air and ground services in the United States. The International Package segment provides guaranteed day and time-definite international shipping services in Europe, the Asia Pacific, Canada and Latin America, the Indian sub-continent, the Middle East, and Africa. This segment offers guaranteed time-definite express options. The company also provides international air and ocean freight forwarding, customs brokerage, distribution and post-sales, and mail and consulting services in approximately 200 countries and territories. In addition, it offers truckload brokerage services; supply chain solutions to the healthcare and life sciences industry; shipping, visibility, and billing technologies; and financial and insurance services. The company operates a fleet of approximately 121,000 package cars, vans, tractors, and motorcycles; and owns 59,000 containers that are used to transport cargo in its aircraft. United Parcel Service, Inc. was founded in 1907 and is headquartered in Atlanta, Georgia.

Full UPS 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.