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SYF

Synchrony Financial

S&P 500
SYF|Financial Services|Credit Services|$67.27|P/E 6.9|MCap 23.1B|NYSE

Last update: Mar 25, 2026 at 04:53

About Synchrony Financial

Synchrony Financial is a leading consumer financial services company headquartered in Stamford, Connecticut. It specializes in providing a comprehensive suite of digitally-enabled financing products, including credit cards, promotional financing, loyalty programs, and installment lending through its wholly owned subsidiary, Synchrony Bank. The company partners with national retailers, local merchants, manufacturers, healthcare providers, and brands across diverse sectors such as digital, health and wellness, retail, telecommunications, home, auto, outdoor, and pet care. Notable offerings include CareCredit for medical, veterinary, and wellness expenses; Pets Best pet health insurance; and private-label credit cards that enable seamless omnichannel shopping experiences. Synchrony Bank delivers FDIC-insured savings products like CDs, IRAs, money market accounts, and high-yield savings with no minimums or monthly fees, alongside premium Mastercard options with cash back rewards. By connecting partners and consumers through innovative payment solutions, personalized offers, and embedded financing, Synchrony Financial supports everyday purchases, builds customer loyalty, and facilitates access to credit for health, home improvement, automotive needs, and more, playing a central role in American commerce.

Dividend Overview

Dividend Yield

1.87%

Annual Dividend

$1.20

Frequency

Quarterly

Payout Ratio

12.39%

FCF Payout Ratio

5.18%

Stock Price

$67.27

52-Week Range

$40.55 $88.77

Dividend Health Score

91/ 100Very Safe

SYF's dividend appears very safe. Strengths include a 12.4% earnings payout ratio & 5.2% fcf payout ratio. Areas of concern: Volatile profit margin stability. The dividend has been growing at a 5.50% 5-year CAGR. As a financial company, some traditional cash flow metrics are less applicable. The score focuses on earnings-based coverage and profitability.

Based on 9 of 10 metrics

Payout & Coverage

Very Safe
Earnings Payout Ratio
12.4%Very Safe
FCF Payout Ratio
5.2%Very Safe

Balance Sheet

N/A
Net Debt / Total Assets
N/AN/A

Profitability

Safe
Return on Equity
21.3%Very Safe
Operating Margin
48.5%Very Safe
Profit Margin Stability
VolatileWarning

Dividend Track Record

Very Safe
Dividend Streak
10+ yrsVery Safe
Dividend Cut
NoneVery Safe
5-Year Dividend CAGR
5.5%Safe
Earnings Stability
GrowingVery Safe

Dividend History (2016–2025)

SYF annual dividend per share and yield history

Earnings & Profitability

SYF earnings per share and net profit margin

Key Dates

Next Ex-Dividend Date

February 6, 2026

Next Payment Date

February 17, 2026

Dividend Growth

3-Year Dividend CAGR

8.51%

5-Year Dividend CAGR

5.50%

10-Year Dividend CAGR

0.00%

3-Year Total Growth

27.78%

5-Year Total Growth

30.68%

10-Year Total Growth

0.00%

Income Calculator

SYF Dividend Calculator

Total Investment

$6,727.00

Annual Income

$120.00

Quarterly Income

$30.00

Monthly Income

$10.00

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Frequently Asked Questions

What is SYF's current dividend yield?
Synchrony Financial (SYF) currently has a dividend yield of 1.87%, based on a stock price of $67.27 and an annual dividend of $1.20.
When is SYF's next dividend payment date?
SYF's next ex-dividend date is 2026-02-06 and the next payment date is 2026-02-17. You must own the stock before the ex-dividend date to receive the upcoming payment.
How much does SYF pay in dividends per year?
Synchrony Financial paid $1.15 per share in annual dividends in 2025. The dividends are paid quarterly.
Has SYF been increasing its dividend?
Synchrony Financial has grown its dividend at a 5-year CAGR of 5.50% and a 10-year CAGR of 0.00%.
Is SYF's dividend safe?
Synchrony Financial has a payout ratio of 12.39%. Its free cash flow payout ratio is 5.18%. A payout ratio below 60% is generally considered sustainable.
How is SYF's Dividend Health Score calculated?
The Dividend Health Score evaluates Synchrony Financial's dividend sustainability across four categories: Payout & Coverage (40%), Balance Sheet (20%), Profitability (20%), and Dividend Track Record (20%). Each metric is rated from "Very Safe" to "Danger" based on industry-standard thresholds, with sector-specific adjustments for financial services companies. The overall score ranges from 0 to 100.

Want to understand how we rate dividend safety? Read our full methodology

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This page is not investment advice. The content is for informational purposes only and should not be construed as a recommendation to buy, sell, or hold any security. Always do your own research and consult a qualified financial advisor before making investment decisions.

Financial data, including dividend history, earnings, balance sheet metrics, and the Dividend Health Score, is provided for informational purposes only. Data may be delayed or differ from official filings. Past performance does not guarantee future results. Always verify with official sources before making investment decisions.

Market data provided by Twelve Data.