Synchrony Financial
SYFFinancial Services · Stock · quarterly payer
Forward Yield
1.79%
Annual Dividend
$1.36
Payout Ratio
12%
5-Yr Growth
5.5%
Ex-Date
Aug 5, 2026
Frequency
Quarterly
Summary
As of August 2026, Synchrony Financial (SYF) yields 1.79% ($1.36 per share annually), with a blended fair-value estimate of $24.26 — -68% downside, so it screens as overvalued. Dividend safety grade: A (84/100). 4 years of dividend growth.
Is SYF a good dividend stock?
YesSynchrony Financial (SYF) pays a quarterly dividend yielding 1.79% ($1.36/yr), with 4 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (12%)
- Strong 5.5% 5-yr dividend growth
- 52% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 1.79%
- Payout Ratio
- 12%
- Annual Dividend
- $1.36
- 5-Yr Avg Growth
- 5.5%
- Ex-Dividend Date
- Aug 5, 2026
- Years of Growth
- 4
- Frequency
- quarterly
- Beta
- 1.31
- Market Cap
- $25.3B
- P/E Ratio
- 8.0
- 5-Yr Total Return
- 52%
- 52-Week Range
- $63.08 – $88.77
- Dividend Safety
- A · 84/100
- Ever Cut?
- No
Frequently Asked Questions
SYF Price — Last 12 Months
Daily close
Price Return
1 Year
-1%
3 Years
+135%
5 Years
+52%
52-Week Range
$63.08 – $88.77
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is SYF worth?
Overvaluedlow confidenceOur blended fair-value estimate for Synchrony Financial is $24.26 per share, versus a market price of $75.79. That implies 68% of downside.
Fair Value
$24.26
Current Price
$75.79
Downside
-68%
Margin of Safety
-212%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 11.6% — below our estimate, leaving room for upside if the business executes.
Assumptions: 10.8% discount rate (CAPM), 11.6% stage-1 growth, 2.5% terminal growth, $9.75 EPS, $1.36 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
SYF Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| May 5, 2026 | — | $0.3000 | regular |
| Feb 6, 2026 | — | $0.3000 | regular |
| Nov 5, 2025 | — | $0.3000 | regular |
| Aug 5, 2025 | — | $0.3000 | regular |
| May 5, 2025 | — | $0.3000 | regular |
| Feb 3, 2025 | — | $0.2500 | regular |
| Nov 4, 2024 | — | $0.2500 | regular |
| Aug 5, 2024 | — | $0.2500 | regular |
| May 3, 2024 | — | $0.2500 | regular |
| Feb 2, 2024 | — | $0.2500 | regular |
| Oct 31, 2023 | — | $0.2500 | regular |
| Jul 28, 2023 | — | $0.2500 | regular |
| May 1, 2023 | — | $0.2300 | regular |
| Feb 3, 2023 | — | $0.2300 | regular |
Income Calculator
At $1.36 / yr per share
