Synchrony Financial

Synchrony Financial

SYFยทNYSE

$68.72

-3.2%
Financial ServicesFinancial - Credit Services

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

At a Glance

Live Snapshot
Market Cap$23.12B
EPS9.3500
P/E Ratio7.35
Earnings Date07/21/2026
0.44%
Dividend Yield
4%
3Y-50.0%
5Y-25.0%
10Y-
12.76%
Dividend Payout Ratio
-25%
3Y-31.0%
5Y-6.0%
10Y-
3Y+12.0%
5Y-8.0%
10Y-
Synchrony Financial

Synchrony Financial Dividend History

SYF ยท NYSE
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

SYF Dividend Payment History

SYF ยท NYSE

Total Payments

40

Latest Dividend

$0.3000

Annual Amount

$1.5000

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 21, 2026
May 5, 2026May 15, 2026
$0.3000
$0.3000
Quarterly0.00%
Jan 27, 2026
Feb 6, 2026Feb 17, 2026
$0.3000
$0.3000
Quarterly0.00%
Oct 23, 2025
Nov 5, 2025Nov 17, 2025
$0.3000
$0.3000
Quarterly0.00%
Jul 22, 2025
Aug 5, 2025Aug 15, 2025
$0.3000
$0.3000
Quarterly0.00%
Apr 22, 2025
May 5, 2025May 15, 2025
$0.3000
$0.3000
Quarterly+20.00%
Jan 21, 2025
Feb 3, 2025Feb 18, 2025
$0.2500
$0.2500
Quarterly0.00%
Oct 24, 2024
Nov 4, 2024Nov 15, 2024
$0.2500
$0.2500
Quarterly0.00%
Jul 23, 2024
Aug 5, 2024Aug 15, 2024
$0.2500
$0.2500
Quarterly0.00%
Apr 24, 2024
May 6, 2024May 15, 2024
$0.2500
$0.2500
Quarterly0.00%
Jan 24, 2024
Feb 5, 2024Feb 15, 2024
$0.2500
$0.2500
Quarterly0.00%
Oct 19, 2023
Nov 1, 2023Nov 9, 2023
$0.2500
$0.2500
Quarterly0.00%
Jul 20, 2023
Jul 31, 2023Aug 10, 2023
$0.2500
$0.2500
Quarterly+8.70%
Apr 20, 2023
May 2, 2023May 12, 2023
$0.2300
$0.2300
Quarterly0.00%
Jan 25, 2023
Feb 6, 2023Feb 17, 2023
$0.2300
$0.2300
Quarterly0.00%
Oct 20, 2022
Nov 1, 2022Nov 10, 2022
$0.2300
$0.2300
Quarterly0.00%
Jul 21, 2022
Aug 1, 2022Aug 11, 2022
$0.2300
$0.2300
Quarterly+4.55%
Apr 21, 2022
May 2, 2022May 12, 2022
$0.2200
$0.2200
Quarterly0.00%
Jan 25, 2022
Feb 10, 2022Feb 17, 2022
$0.2200
$0.2200
Quarterly0.00%
Oct 21, 2021
Nov 1, 2021Nov 12, 2021
$0.2200
$0.2200
Quarterly0.00%
Jul 22, 2021
Aug 2, 2021Aug 12, 2021
$0.2200
$0.2200
Quarterly0.00%
Apr 22, 2021
May 3, 2021May 13, 2021
$0.2200
$0.2200
Quarterly0.00%
Jan 26, 2021
Feb 5, 2021Feb 16, 2021
$0.2200
$0.2200
Quarterly0.00%
Oct 21, 2020
Nov 2, 2020Nov 12, 2020
$0.2200
$0.2200
Quarterly0.00%
Jul 22, 2020
Aug 3, 2020Aug 13, 2020
$0.2200
$0.2200
Quarterly0.00%
Apr 24, 2020
May 4, 2020May 14, 2020
$0.2200
$0.2200
Quarterly0.00%
Jan 28, 2020
Feb 7, 2020Feb 13, 2020
$0.2200
$0.2200
Quarterly0.00%
Oct 23, 2019
Nov 4, 2019Nov 14, 2019
$0.2200
$0.2200
Quarterly0.00%
Jul 24, 2019
Aug 5, 2019Aug 15, 2019
$0.2200
$0.2200
Quarterly+4.76%
Apr 24, 2019
May 6, 2019May 16, 2019
$0.2100
$0.2100
Quarterly0.00%
Jan 22, 2019
Feb 4, 2019Feb 14, 2019
$0.2100
$0.2100
Quarterly0.00%
Oct 24, 2018
Nov 5, 2018Nov 15, 2018
$0.2100
$0.2100
Quarterly0.00%
Jul 26, 2018
Aug 6, 2018Aug 16, 2018
$0.2100
$0.2100
Quarterly+40.00%
Apr 25, 2018
May 7, 2018May 17, 2018
$0.1500
$0.1500
Quarterly0.00%
Jan 23, 2018
Feb 5, 2018Feb 15, 2018
$0.1500
$0.1500
Quarterly0.00%
Oct 25, 2017
Nov 6, 2017Nov 16, 2017
$0.1500
$0.1500
Quarterly0.00%
Jul 27, 2017
Aug 7, 2017Aug 17, 2017
$0.1500
$0.1500
Quarterly+15.38%
Apr 27, 2017
May 8, 2017May 18, 2017
$0.1300
$0.1300
Quarterly0.00%
Jan 25, 2017
Feb 6, 2017Feb 16, 2017
$0.1300
$0.1300
Quarterly0.00%
Oct 28, 2016
Nov 7, 2016Nov 17, 2016
$0.1300
$0.1300
Quarterly0.00%
Jul 25, 2016
Aug 12, 2016Aug 25, 2016
$0.1300
$0.1300
Quarterly-
syf

Synchrony Financial Payout Ratio Analysis

SYF ยท NYSE
Dividends Paid
-510.00M
2025
Net Income
3.55B
2025
Payout Ratio
14.36%
2025

Dividend Sustainability Analysis

Payout Ratio
14.36%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
5.2%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-8.5%

Dividend cut is concerning. Investigate whether due to one-time factors or fundamental business deterioration. Reassess dividend sustainability.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.