Trailing Dividend / Share
$1.19
Synchrony Financial (SYF) Dividend History
Income profile from 2016 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.6%
Payout Ratio
12.0%
Sustainable
Dividend Streak
4 years
SYF Dividend Income Check
Safety
12.0% payout ratio with sustainable safety profile.
Consistency
4 straight years of dividend increases.
Income Trend
Yield on cost is 3.4% and trend is rising.
SYF Dividend Scorecard
Yield & Income
Dividend Yield1.6%
Trailing DPS$1.19
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout12.0%
Earnings SafetySustainable
FCF Payout4.2%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak4 years
3Y CAGR8.5%
5Y CAGR5.5%
Yield on Cost (5Y)3.4%
YOC Trendrising
Total Returns
Buyback Yield11.3%
Total Shareholder Yield12.8%
1Y Total Return43.0%
5Y Total Return78.6%
Div Contribution (5Y)11.2%
Estimated $10K growth (return + dividends):
5Y ago$17,86210Y ago$27,89920Y ago$36,487
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.
SYF Income Growth Story
Dividend per share and yield on cost over time (11 years of payments)
SYF Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
Synchrony Financial distributes 12.0% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 4.2%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
SYF has raised its dividend for 4 consecutive years, with a 3-year CAGR of 8.5% and 5-year CAGR of 5.5%.
Total Shareholder Returns
Beyond cash dividends, SYF returns capital through share repurchases. The combined picture: 1.6% dividend yield, 11.3% buyback yield, 12.8% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.4% and is currently rising. The 5-year total return is 78.6%, with dividends contributing 11.2% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $27,899 today.
SYF Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$5.05
Avg/Payment$0.2525
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 5, 2026Latest | $0.3000 | — | 1.58% | May 15, 2026 |
| Feb 6, 2026 | $0.3000 | — | 1.60% | Feb 17, 2026 |
| Nov 5, 2025 | $0.3000 | — | 1.55% | Nov 17, 2025 |
| Aug 5, 2025 | $0.3000 | — | 1.57% | Aug 15, 2025 |
| May 5, 2025 | $0.3000 | ↑ +20.0% | 1.94% | May 15, 2025 |
| Feb 3, 2025 | $0.2500 | — | 1.48% | Feb 18, 2025 |
| Nov 4, 2024 | $0.2500 | — | 1.82% | Nov 15, 2024 |
| Aug 5, 2024 | $0.2500 | — | 2.28% | Aug 15, 2024 |
SYF Dividend vs Peers
Comparable companies in the same industry
#4 yield in peer group
Div Yield
1.6%
#4 of 8
Safety
Sustainable
12.0% payout
Streak
4Y
5.5% 5Y CAGR
Total Shareholder
12.8%
#1 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| SYFSynchrony Financial | $26.1B | 1.6% | 12.0% | 4 | Sustainable |
2nd  COFCapital One Financia… | $119.7B | 1.7% | 72.1% | 3 | Watch |
 BFHBread Financial Hold… | $4.1B | 1.0% | 8.1% | 2 | Sustainable |
 MAMastercard Incorpora… | $435.4B | 0.6% | 18.4% | 14 | Sustainable |
 VVisa Inc. | $611.6B | 0.7% | 23.1% | 15 | Sustainable |
 AXPAmerican Express Com… | $220.8B | 1.0% | 21.0% | 15 | Sustainable |
1st  BACBank of America Corp… | $407.9B | 2.4% | 31.2% | 6 | Sustainable |
3rd  JPMJPMorgan Chase & Co. | $849.0B | 1.6% | 25.3% | 14 | Sustainable |
SYF Annual Dividend History (2012–2026)
15 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.60 | — | 2 | — | — | — | 1.8% |
| 2025 | $1.15 | 15.0% | 4 | $9.29 | 12.4% | 8.08x | 3.4% |
| 2024 | $1.00 | 4.2% | 4 | $8.55 | 11.7% | 8.55x | 2.9% |
| 2023 | $0.96 | 6.7% | 4 | $5.19 | 18.5% | 5.41x | 2.8% |
| 2022 | $0.90 | 2.3% | 4 | $6.15 | 14.6% | 6.83x | 2.6% |
| 2021 | $0.88 | 0.0% | 4 | $7.34 | 12.0% | 8.34x | 2.6% |
| 2020 | $0.88 | 2.3% | 4 | $2.27 | 38.8% | 2.58x | 2.6% |
| 2019 | $0.86 | 19.4% | 4 | $5.56 | 15.5% | 6.47x | 2.5% |
| 2018 | $0.72 | 28.6% | 4 | $3.74 | 19.3% | 5.19x | 2.1% |
| 2017 | $0.56 | 115.4% | 4 | $2.42 | 23.1% | 4.32x | 1.6% |
Full SYF Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
See SYF's True Return
Price is only half the story. See total return with reinvested dividends.
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Start ComparisonSYF — Frequently Asked Questions
Quick answers to the most common questions about buying SYF stock.
How much dividend does SYF pay per share?
Synchrony Financial (SYF) pays a trailing 12-month dividend of $1.19 per share, with a current dividend yield of +1.6%. Payments are made Semi-Annual.
When is SYF's next ex-dividend date?
SYF's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. SYF typically pays dividends Semi-Annual.
Is SYF's dividend safe?
SYF's dividend safety is rated "Sustainable" based on an earnings payout ratio of +12.0% and FCF payout ratio of +4.2%. The 4-year growth streak provides moderate confidence.
Is SYF a Dividend Payer?
Yes, Synchrony Financial is classified as a Dividend Payer with 4 consecutive years of dividend increases. The 5-year dividend CAGR is +5.5%, demonstrating above-inflation dividend growth.
How often does SYF pay dividends?
Synchrony Financial pays dividends Semi-Annual. The trailing 12-month total is $1.19 per share. Dividend data on this page covers 10+ years from 2016 to 2026.
How much would $10,000 invested in SYF grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in SYF five years ago would be worth approximately $17,862 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is SYF's yield on cost for long-term holders?
SYF's yield on cost — the current dividend divided by the original purchase price — is +3.4% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.6% market yield, thanks to consistent dividend growth.