About SYF Dividend Returns
Synchrony Financial (SYF) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.
How We Calculate Total Return
Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.
Frequently Asked Questions
Q1What is the total return of SYF over the past year?
Synchrony Financial (SYF) delivered a total return of 15.87% over the past year when dividends are reinvested. The price-only return was 13.89%, meaning dividends contributed an additional 1.98 percentage points to total returns.
Q2How much would $10,000 invested in SYF be worth today?
A $10,000 investment in Synchrony Financial one year ago would be worth $11,587 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,389. Dividend reinvestment added $198 to the portfolio value.
Q3Does SYF pay dividends?
Yes, Synchrony Financial (SYF) pays dividends. In the last year, SYF paid approximately $0.99 per share in dividends (1.44% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.
Q4Did SYF beat the S&P 500?
Yes, Synchrony Financial (SYF) outperformed the S&P 500 by 0.42 percentage points over the past year. SYF delivered a total return of 15.87%, compared to the S&P 500's 15.45%. This 0.42pp alpha means investors in SYF earned more than a passive S&P 500 index fund.
Q5What is SYF's worst drawdown?
Synchrony Financial (SYF) experienced a maximum drawdown of -27.80% over the past year, declining from its peak on 2025-02-28 to its trough on 2025-04-04. The stock recovered to its prior peak by 2025-05-13. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.
Q6What is SYF's long-term total return over 10, 20, or 30 years?
Synchrony Financial (SYF) has delivered strong long-term returns with dividends reinvested. Over 10 years, the total return is 187.9% (11.2% CAGR) — $10,000 would have grown to $28,787. Over 20 years: 237.3% total return (6.3% CAGR) — $10,000 → $33,730. Over 30 years: 237.3% total return (4.1% CAGR) — $10,000 → $33,730. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.
Q7What was SYF's best and worst year?
Synchrony Financial's best calendar year was 2024 with a total return of 73.9%. Its worst year was 2018 with a total return of -37.8%. This range shows the volatility investors should expect — the difference between the best and worst year is 111.6 percentage points.
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