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Synchrony Financial SYF | NYSE

$75.88 $0.00 | 0.00%

Next Earnings: Sep 14, 2026

Company Overview:

Market Cap: $0

Trailing PE: 0x

FWD PE *: 8x

Payout Ratio (TTM): 14.3%

52-Week Range: $63.08 - $88.77

* Forward PE is based on street estimates.

10 Year SYF Performance Metrics:

Total Return (with DRIP): 256.2% (13.55% CAGR)

Total Return (no DRIP): 216.3% (12.20% CAGR)

Share Price: 182.8% (10.96% CAGR)

Yield on Cost (with DRIP): 6.38%

Total Invested: $10,000

Total Value (with DRIP): $35,621

Total Return $ (with DRIP): $25,621

Dividend Increase: 130.8% (8.95% CAGR)

Dividend Yield (FWD): 1.79% ($1.36)

SYF 10-yr Total Return ($10K invested)

1Y 2Y 5Y 10Y All

SYF Share Price chart

Share Price

SYF Price CAGR:1Y: -0.52%2Y: 26.89%5Y: 9.74%10Y: 10.96%

SYF Dividend Charts

SYF - Dividends

SYF Dividend CAGR:1Y: 13.33%2Y: 16.62%5Y: 9.10%10Y: 10.09%

SYF - Dividend Payout Ratio

SYF - Dividend to Free Cash Flow Ratio

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SYF Earnings, Revenue, Cash & Debt, Shares Outstanding:

SYF - Revenue

SYF Revenue CAGR:1Y: -0.40%2Y: -9.25%5Y: 14.40%10Y: 5.96%

SYF - Earnings Per Share (EPS)

SYF EPS CAGR:1Y: 3.60%2Y: 29.27%5Y: 4.09%10Y: 16.14%

SYF - Net Income

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SYF Net Income CAGR:1Y: -8.48%2Y: 17.32%5Y: -6.55%10Y: 6.11%

SYF - EBITDA

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SYF EBITDA CAGR:1Y: 8.49%2Y: -26.68%5Y: -5.69%10Y: 2.86%

SYF - Free Cash Flow

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SYF Free Cash Flow CAGR:1Y: -5.47%2Y: -1.30%5Y: 10.93%10Y: 5.10%

SYF - Free Cash Flow / Share

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SYF Free Cash Flow / Share CAGR:1Y: 7.34%2Y: 8.36%5Y: 23.95%10Y: 15.26%

SYF - Operating Income

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SYF Operating Income CAGR:1Y: 10.99%2Y: -8.20%5Y: -6.07%10Y: 2.64%

SYF - Gross Profit

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SYF Gross Profit CAGR:1Y: 56.98%2Y: 17.76%5Y: 12.63%10Y: 4.08%

SYF - Shares Outstanding

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SYF Shares Outstanding CAGR:1Y: -11.87%2Y: -8.90%5Y: -10.50%10Y: -8.77%

SYF - Share Buybacks

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SYF Share Buybacks CAGR:1Y: 74.21%2Y: 69.67%5Y: 17.44%10Y: 0.00%

SYF - Stock-Based Comp

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SYF Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

SYF - Expenses

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SYF Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

SYF - Revenue vs Net Income

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SYF - EPS vs FCF / Share

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SYF - EPS vs PE Ratio

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SYF - FCF vs FCF / Share

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SYF - FCF vs Stock Based Comp

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SYF - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

SYF - REVENUE: Actual + Estimates

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SYF Actual Revenue CAGR:1Y: -0.40%2Y: -9.25%5Y: 14.40%10Y: 5.96%

SYF - EPS: Actual + Estimates

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SYF Actual EPS CAGR:1Y: 3.60%2Y: 29.27%5Y: 4.09%10Y: 16.14%

SYF - NET INCOME: Actual + Estimates

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SYF Actual Net Income CAGR:1Y: -8.48%2Y: 17.32%5Y: -6.55%10Y: 6.11%

SYF - EBITDA: Actual + Estimates

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SYF Actual EBITDA CAGR:1Y: 8.49%2Y: -26.68%5Y: -5.69%10Y: 2.86%

Ratios, Profit Margins & Return on Capital:

SYF - Net Profit Margin

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SYF Net Profit Margin CAGR:1Y: -8.09%2Y: 19.76%5Y: -18.32%10Y: 0.14%

SYF - Gross Profit Margin

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SYF Gross Profit Margin CAGR:1Y: 57.61%2Y: 3.18%5Y: -10.04%10Y: -1.77%

SYF - Price to Earnings

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SYF - Price To Sales Ratio

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SYF - Return on Capital Employed

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SYF - Return on Invested Capital

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SYF Dividends Info:

Annual Dividend: $1.36

Forward Yield: 1.79%

Ex-Dividend Date: 2026-08-05

Lifetime Dividends / Share: $9.11

SYF Dividend History: Dates, Payments & Yield list

Below is a schedule of all SYF dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/05/2026	08/17/2026	$0.340	1.72%	1.68%	$80.75
05/05/2026	05/15/2026	$0.300	1.63%	1.68%	$71.38
02/06/2026	02/17/2026	$0.300	1.6%	1.66%	$72.31
11/05/2025	11/17/2025	$0.300	1.61%	1.7%	$70.47
08/05/2025	08/15/2025	$0.300	1.71%	1.68%	$71.49
05/05/2025	05/15/2025	$0.300	2.21%	1.98%	$60.49
02/03/2025	02/18/2025	$0.250	1.48%	1.53%	$65.29
11/04/2024	11/15/2024	$0.250	1.82%	1.54%	$64.98
08/05/2024	08/15/2024	$0.250	2.28%	2.18%	$45.89
05/03/2024	05/15/2024	$0.250	2.19%	2.27%	$44.14
02/02/2024	02/15/2024	$0.250	2.57%	2.51%	$39.85
10/31/2023	11/09/2023	$0.250	3.57%	3.43%	$29.15
07/28/2023	08/10/2023	$0.250	2.89%	2.91%	$34.40
05/01/2023	05/12/2023	$0.230	3.19%	3.4%	$27.08
02/03/2023	02/17/2023	$0.230	2.48%	2.57%	$35.77
10/31/2022	11/10/2022	$0.230	2.59%	2.38%	$38.73
07/29/2022	08/11/2022	$0.230	2.75%	2.55%	$36.11
04/29/2022	05/12/2022	$0.220	2.39%	2.66%	$33.03
02/09/2022	02/17/2022	$0.220	1.97%	2.02%	$43.66
10/29/2021	11/12/2021	$0.220	1.89%	1.75%	$50.18
07/30/2021	08/12/2021	$0.220	1.87%	1.7%	$51.62
04/30/2021	05/13/2021	$0.220	2.01%	1.94%	$45.27
02/04/2021	02/16/2021	$0.220	2.37%	2.32%	$37.90
10/30/2020	11/12/2020	$0.220	3.52%	3.02%	$29.11
07/31/2020	08/13/2020	$0.220	3.98%	3.56%	$24.70
05/01/2020	05/14/2020	$0.220	4.75%	5.16%	$17.07
02/06/2020	02/13/2020	$0.220	2.65%	2.6%	$33.82
11/01/2019	11/14/2019	$0.220	2.46%	2.4%	$36.73
08/02/2019	08/15/2019	$0.220	2.51%	2.69%	$32.76
05/03/2019	05/16/2019	$0.210	2.45%	2.38%	$35.24
02/01/2019	02/14/2019	$0.210	2.83%	2.72%	$30.83
11/02/2018	11/15/2018	$0.210	3.18%	3.17%	$26.51
08/03/2018	08/16/2018	$0.210	2.81%	2.76%	$30.43
05/04/2018	05/17/2018	$0.150	1.84%	1.72%	$34.93
02/02/2018	02/15/2018	$0.150	1.55%	1.63%	$36.84
11/03/2017	11/16/2017	$0.150	1.81%	1.8%	$33.38
08/03/2017	08/17/2017	$0.150	2.01%	1.99%	$30.10
05/04/2017	05/18/2017	$0.130	1.81%	1.96%	$26.50
02/02/2017	02/16/2017	$0.130	1.47%	1.41%	$36.85
11/03/2016	11/17/2016	$0.130	1.85%	1.56%	$33.43
08/10/2016	08/25/2016	$0.130	1.88%	1.93%	$27.01

Projected Future Returns & Dividends for SYF

Based on past 10-year performance, here are SYF growth metrics:

Share price CAGR of +10.96%
Dividend CAGR of +10.12%

Using SYF CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, is modelled to grow as follows:

	SYF (DRIP)	SYF - No DRIP
Current Price	$75.88	$75.88
Start Shares	131.79	131.79
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	157.59	131.79
Dividends Payment	$0.88	$0.88
Annual Dividends	$556	$465
Yield on cost	5.56%	4.65%
Share Price	$196.81	$196.81
Total Dividends	$3,164	$2,856
Final Value	$31,016	$28,794

Estimated Future Value + Dividends - SYF

NOTE: Above numbers are our estimate based on SYF's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Synchrony Financial (SYF) had its IPO on 2014-07-31, and is trader on NYSE stock exchange.

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile, and direct mail channels. It is also a significant player in specialized financing, offering healthcare payment and funding solutions under its CareCredit, Pets Best, and Walgreens brands. The firm further provides payment and financing options to industries like apparel, specialty retail, outdoor, music, and luxury, as well as point-of-sale consumer financing for audiology products and dental services. Synchrony delivers its credit offerings through collaborative programs established with a broad network of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. Its deposit products reach customers through various avenues, including digital and print media. The company's services cater to a wide array of sectors, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pet industries, among others. Established in 1932, Synchrony Financial's corporate headquarters are located in Stamford, Connecticut.

SYF website: https://www.synchrony.com

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