Trailing Dividend / Share
$0.99
Synchrony Financial (SYF-PB) Dividend History
Income profile from 2024 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
3.8%
Payout Ratio
11.4%
Sustainable
Dividend Streak
3 years
3-Second Income Check
Safety
11.4% payout ratio with sustainable safety profile.
Consistency
3 straight years of dividend increases.
Income Trend
Yield on cost is 8.3% and trend is unknown.
Dividend Scorecard
Yield & Income
Dividend Yield3.8%
Trailing DPS$0.99
FrequencyAnnual
Payments / 12M4
Payout Safety
Earnings Payout11.4%
Earnings SafetySustainable
FCF Payout4.1%
FCF SafetyWell Covered
Piotroski F-Score8/9
Growth
Growth Streak3 years
3Y CAGR4.2%
5Y CAGR2.9%
Yield on Cost (5Y)8.3%
YOC Trendunknown
Total Returns
Buyback Yield10.7%
Total Shareholder Yield14.5%
1Y Total Return10.1%
5Y Total Return21.2%
Div Contribution (5Y)16.4%
Estimated $10K growth (return + dividends):
5Y ago$12,11810Y ago$12,11820Y ago$12,118
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
Income Growth Story
Dividend per share and yield on cost over time (3 years of payments)
Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
Synchrony Financial distributes 11.4% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 4.1%, rated "Well Covered".
Piotroski F-Score: 8/9 — strong financial health.
Growth Track Record
SYF-PB has raised its dividend for 3 consecutive years, with a 3-year CAGR of 4.2% and 5-year CAGR of 2.9%.
Total Shareholder Returns
Beyond cash dividends, SYF-PB returns capital through share repurchases. The combined picture: 3.8% dividend yield, 10.7% buyback yield, 14.5% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 8.3% and is currently unknown. The 5-year total return is 21.2%, with dividends contributing 16.4% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $12,118 today.
Recent Dividend Payments
Last 8 payments · Annual
TTM Total$4.08
Avg/Payment$0.5099
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Feb 6, 2026Latest | $0.5156 | — | 8.03% | Feb 17, 2026 |
| Nov 5, 2025 | $0.5156 | — | 7.93% | Nov 17, 2025 |
| Aug 5, 2025 | $0.5156 | — | 8.05% | Aug 15, 2025 |
| May 5, 2025 | $0.5156 | — | 8.36% | May 15, 2025 |
| Feb 3, 2025 | $0.5156 | — | 7.88% | Feb 18, 2025 |
| Nov 4, 2024 | $0.5156 | — | 5.82% | Nov 15, 2024 |
| Aug 5, 2024 | $0.5156 | ↑ +9.8% | 3.95% | Aug 15, 2024 |
| May 3, 2024 | $0.4698 | — | 1.86% | May 15, 2024 |
Dividend Peer Comparison
Peer group: Consumer Credit Issuers and Installment Lenders
#5 yield in peer group
Div Yield
3.8%
#5 of 9
Safety
Sustainable
11.4% payout
Streak
3Y
2.9% 5Y CAGR
Total Shareholder
14.5%
#2 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
SYF-PBSynchrony Financial | $9.4B | 3.8% | 11.4% | 3 | Sustainable |
COFCapital One Financia… | $124.4B | 1.2% | 19.6% | 2 | Sustainable |
SYFSynchrony Financial | $24.9B | 1.4% | 11.4% | 3 | Sustainable |
2nd OMFOneMain Holdings, In… | $6.5B | 9.4% | — | 2 | Unknown |
FINVFinVolution Group | $3.2B | 4.3% | 18.5% | 4 | Sustainable |
BFHBread Financial Hold… | $3.1B | 1.2% | 15.5% | 1 | Sustainable |
1st LULufax Holding Ltd | $2.3B | 28.1% | 1.6% | 0 | Sustainable |
3rd XYFX Financial | $1.2B | 7.0% | 7.6% | 1 | Sustainable |
ATLCAtlanticus Holdings … | $791M | 2.6% | 23.1% | 7 | Sustainable |
Annual Dividend History
15 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.52 | — | 1 | — | — | — | 2.1% |
| 2025 | $2.06 | 37.4% | 4 | — | — | — | 8.3% |
| 2024 | $1.50 | — | 3 | $8.55 | 17.6% | 5.70x | 6.0% |
| 2023 | $0.00 | — | 0 | $5.19 | — | — | — |
| 2022 | $0.00 | — | 0 | $6.15 | — | — | — |
| 2021 | $0.00 | — | 0 | $7.34 | — | — | — |
| 2020 | $0.00 | — | 0 | $2.27 | — | — | — |
| 2019 | $0.00 | — | 0 | $5.56 | — | — | — |
| 2018 | $0.00 | — | 0 | $3.74 | — | — | — |
| 2017 | $0.00 | — | 0 | $2.42 | — | — | — |
See SYF-PB's True Return
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Start ComparisonFrequently Asked Questions
How much dividend does SYF-PB pay per share?
Synchrony Financial (SYF-PB) pays a trailing 12-month dividend of $0.99 per share, with a current dividend yield of +3.8%. Payments are made Annual.
When is SYF-PB's next ex-dividend date?
SYF-PB's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. SYF-PB typically pays dividends Annual.
Is SYF-PB's dividend safe?
SYF-PB's dividend safety is rated "Sustainable" based on an earnings payout ratio of +11.4% and FCF payout ratio of +4.1%. The 3-year growth streak provides moderate confidence.
Is SYF-PB a Dividend Payer?
Yes, Synchrony Financial is classified as a Dividend Payer with 3 consecutive years of dividend increases. The 5-year dividend CAGR is +2.9%, demonstrating modest dividend growth.
How often does SYF-PB pay dividends?
Synchrony Financial pays dividends Annual. The trailing 12-month total is $0.99 per share. Dividend data on this page covers 2+ years from 2024 to 2026.
How much would $10,000 invested in SYF-PB grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in SYF-PB five years ago would be worth approximately $12,118 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is SYF-PB's yield on cost for long-term holders?
SYF-PB's yield on cost — the current dividend divided by the original purchase price — is +8.3% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +3.8% market yield, thanks to consistent dividend growth.