Synchrony Financial (SYF) Total Return Calculator
$10,000 since Jul 2014, with and without reinvesting · data through Oct 2026
$10,000 invested in Synchrony Financial (SYF) ten years ago, at the end of Oct 2016, was worth $33,297 at the end of Oct 2026 with every dividend reinvested: 12.8% a year, against $41,633 in the S&P 500. Since Jul 2014, $10,000 became $41,584 reinvested (12.3% a year), or $37,905 taking the dividends as cash, $5,144 of it paid out along the way.
SYF became
$41,584
S&P 500: $47,985
Return a year
12.3%
S&P 500: 13.7%
Payouts reinvested
$5,873
bought more shares
Worst drop
-57.4%
S&P 500: -23.9%
$10,000, Jul 2014 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | SYF total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | −8.5% | $692 | +11.7% |
| 2025 | +31.2% | $847 | +17.7% |
| 2024 | +74.0% | $589 | +24.9% |
| 2023 | +19.7% | $501 | +26.2% |
| 2022 | −27.4% | $455 | −18.2% |
| 2021 | +36.4% | $821 | +28.7% |
| 2020 | −0.1% | $616 | +18.3% |
| 2019 | +56.8% | $559 | +31.2% |
| 2018 | −37.8% | $322 | −4.6% |
| 2017 | +8.8% | $381 | +21.7% |
| 2016 | +19.9% | $76 | +12.0% |
| 2015 | +2.2% | $8 | +1.2% |
| 2014 (part) | +29.4% | $6 | +7.5% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: SYF total return
Data as of · Source: SmarterDividends data
- $10,000 invested in Synchrony Financial (SYF) at the end of Jul 2014, with dividends reinvested, was worth $41,584 at the end of Oct 2026: 12.3% a year, against $47,985 (13.7% a year) in the S&P 500.
- Over the 10 years to Oct 2026, SYF turned $10,000 into $33,297 with dividends reinvested, 12.8% a year.
- Over the 5 years to Oct 2026, SYF returned 12.5% a year with dividends reinvested (S&P 500: 12.0%).
- Taking SYF's dividends as cash instead of reinvesting them, the same $10,000 ended at $37,905, including $5,144 of cash received; reinvesting added $3,679.
- SYF's best calendar year in that time was 2024 (74.0%) and its worst 2018 (-37.8%), with dividends reinvested.
Cite this page
SmarterDividends, "Synchrony Financial (SYF) Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/SYF/total-return
SYF total return questions
If I invested $10,000 in SYF 10 years ago, how much would I have?
About $33,297 at the end of Oct 2026, with every dividend reinvested: 12.8% a year. Taking them as cash, you'd have shares worth $26,355 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is SYF's total return since Jul 2014?
316% in total, or 12.3% a year, through Oct 2026 with dividends reinvested. The share price alone rose 228%.
How much of SYF's return came from dividends?
About 18% of its yearly return since Jul 2014. Reinvesting them, rather than taking cash, left you $3,679 better off on a $10,000 start.
What was SYF's worst year?
2018, at -37.8% with dividends reinvested (S&P 500: -4.6%). Its deepest fall from a peak, on month-end values, was -57.4%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.