Synchrony Financial SYF | NYSE
$76.97
$1.61 | 2.14%
TREND SIGNAL:
|2026-09-11
|2026-09-11
Company Overview:
Market Cap:
$24.69B
Trailing PE:
—
FWD PE:
—
Payout Ratio (TTM):
14.3%
52-Week Range:
$63.08 - $88.77
10 Year SYF Performance Metrics:
Total Return (with DRIP):
239.1% (12.99% CAGR)
Total Return (no DRIP):
200.6% (11.64% CAGR)
Share Price:
164.5% (10.22% CAGR)
Yield on Cost (with DRIP):
5.99%
Total Invested:
$10,000
Total Value (with DRIP):
$33,909
Total Return $ (with DRIP):
$23,909
Dividend Increase:
130.8% (8.95% CAGR)
Dividend Yield (FWD):
1.77% ($1.36)
SYF 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
SYF Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
SYF Price CAGR:1Y: 5.14%2Y: 17.50%5Y: 10.63%10Y: 10.22%
SYF Dividend Charts
SYF Dividend CAGR:1Y: 13.33%2Y: 16.62%5Y: 9.10%10Y: 10.09%
SYF Dividend Payout Ratio CAGR:1Y: -2.07%2Y: -14.05%5Y: 4.24%10Y: 0.00%
SYF Dividend to FCF Ratio CAGR:1Y: -5.19%2Y: 2.16%5Y: -12.19%10Y: 0.00%
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SYF Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
SYF Revenue CAGR:1Y: -21.10%2Y: -19.23%5Y: 9.19%10Y: 3.52%
SYF EPS CAGR:1Y: 3.60%2Y: 29.27%5Y: 4.09%10Y: 16.14%
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SYF Net Income CAGR:1Y: -8.48%2Y: 17.32%5Y: -6.55%10Y: 6.11%
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SYF EBITDA CAGR:1Y: 8.49%2Y: -26.68%5Y: -5.69%10Y: 2.86%
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SYF Free Cash Flow CAGR:1Y: -5.47%2Y: -1.30%5Y: 10.93%10Y: 5.10%
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SYF Free Cash Flow / Share CAGR:1Y: 7.34%2Y: 8.36%5Y: 23.95%10Y: 15.26%
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SYF Operating Income CAGR:1Y: 10.99%2Y: -8.20%5Y: -6.07%10Y: 2.64%
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SYF Gross Profit CAGR:1Y: 56.98%2Y: 17.76%5Y: 12.63%10Y: 4.08%
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SYF Shares Outstanding CAGR:1Y: -11.87%2Y: -8.90%5Y: -10.50%10Y: -8.77%
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SYF Share Buybacks CAGR:1Y: 74.21%2Y: 69.67%5Y: 17.44%10Y: 0.00%
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SYF Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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SYF Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
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SYF Actual Revenue CAGR:1Y: -21.10%2Y: -19.23%5Y: 9.19%10Y: 3.52%
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SYF Actual EPS CAGR:1Y: 3.60%2Y: 29.27%5Y: 4.09%10Y: 16.14%
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SYF Actual Net Income CAGR:1Y: -8.48%2Y: 17.32%5Y: -6.55%10Y: 6.11%
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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:
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SYF Net Profit Margin CAGR:1Y: -8.09%2Y: 19.76%5Y: -18.32%10Y: 0.14%
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SYF Gross Profit Margin CAGR:1Y: 1.04%2Y: -17.39%5Y: -17.70%10Y: -6.04%
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SYF Price to Earnings CAGR:1Y: 9.58%2Y: -1.24%5Y: 5.26%10Y: -3.84%
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SYF Price To Sales Ratio CAGR:1Y: 0.76%2Y: 16.89%5Y: -14.42%10Y: -3.93%
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SYF Return on Capital Employed CAGR:1Y: -69.29%2Y: -62.93%5Y: -14.28%10Y: -2.89%
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SYF Return on Invested Capital CAGR:1Y: -71.29%2Y: -63.98%5Y: -32.60%10Y: -9.92%
SYF Dividends Info:
Annual Dividend:
$1.36
Forward Yield:
1.77%
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 | 08/07/2026 | $0.340 | 1.72% | 1.73% | $78.59 |
| 05/05/2026 | 05/07/2026 | $0.300 | 1.63% | 1.62% | $74.00 |
| 02/06/2026 | 02/09/2026 | $0.300 | 1.6% | 1.62% | $73.95 |
| 11/05/2025 | 11/07/2025 | $0.300 | 1.61% | 1.64% | $73.19 |
| 08/05/2025 | 08/07/2025 | $0.300 | 1.71% | 1.75% | $68.45 |
| 05/05/2025 | 05/07/2025 | $0.300 | 2.21% | 2.23% | $53.77 |
| 02/03/2025 | 02/05/2025 | $0.250 | 1.48% | 1.47% | $67.85 |
| 11/04/2024 | 11/06/2024 | $0.250 | 1.82% | 1.48% | $67.51 |
| 08/05/2024 | 08/07/2024 | $0.250 | 2.28% | 2.26% | $44.30 |
| 05/03/2024 | 05/06/2024 | $0.250 | 2.19% | 2.16% | $46.24 |
| 02/02/2024 | 02/05/2024 | $0.250 | 2.57% | 2.58% | $38.76 |
| 10/31/2023 | 11/02/2023 | $0.250 | 3.57% | 3.44% | $29.08 |
| 07/28/2023 | 07/31/2023 | $0.250 | 2.89% | 2.9% | $34.54 |
| 05/01/2023 | 05/03/2023 | $0.230 | 3.19% | 3.32% | $27.71 |
| 02/03/2023 | 02/06/2023 | $0.230 | 2.48% | 2.53% | $36.42 |
| 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 +10.22%
Dividend CAGR of +10.15%
Using SYF CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| SYF (DRIP) | SYF - No DRIP | |
|---|---|---|
| Current Price | $76.97 | $76.97 |
| Start Shares | 129.92 | 129.92 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 154.89 | 129.92 |
| Dividends Payment | $0.89 | $0.89 |
| Annual Dividends | $554 | $464 |
| Yield on cost | 5.54% | 4.64% |
| Share Price | $203.59 | $203.59 |
| Total Dividends | $3,137 | $2,836 |
| Final Value | $31,534 | $29,286 |
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 traded 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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DCF Model — SYF
Value from:
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Pay up to today
—
vs current price $76.97
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
