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SYF Synchrony Financial — dividend yield, history & ex-dividend dates

NYSE· Quarterly dividend· Common Stock · Financial Services / Financial - Credit Services

$76.97 ▲ $1.61(2.14%) as of Oct 30, 2026 06:20 UTC
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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.

Dividend Snapshot

StatusGrowing
Last Dividend$0.3400Paid Aug 17, 2026
Forward Annual$1.36From the $0.3400 dividend declared Oct 20, 2026
FrequencyQuarterly
Last Ex-DateAug 05, 2026The most recent ex-dividend date that has already passed.
Next Ex-DateNov 05, 2026$0.3400, declared Oct 20, 2026The ex-dividend date of the next payment the company has declared, or that is scheduled when no declaration is on file. Future dates our data provider only projects are not shown.
Next Pay DateNov 16, 2026
1-Yr Growth15.0%Annual totals, 2024–2025

Research Scores

Scores describe this security's published financial data on a 0–100 scale using the formulas on our methodology pages. They are the same for every reader, are not a probability or a forecast, and are not a recommendation. Past dividend growth does not guarantee future increases. Report a data error.

Dividend Safety Score

78/100

Strong indicators

Most data available

Dividend Growth Score

82/100

Very strong growth record

Complete data

Dividend Value Score

43/100

Near own historical valuation

Most data available

DividendRank

69/100

Upper middle of the scale

Most data available

How the Dividend Safety Score is built for SYF
InputValuePointsWeight
Earnings payout ratioEarnings payout ratio 13% (TTM to Sep 30, 2026) 100 20%
FCF payout ratioN/A (not used) N/A 25%
Net debt / EBITDANet debt / EBITDA 0.2x (TTM to Sep 30, 2026) 100 15%
Interest coverageInterest coverage 1.1x (TTM to Sep 30, 2026) 4 10%
Dividend record9 years of uninterrupted regular payments 66 20%
Earnings stabilityNet income positive in 5 of the last 5 fiscal years (FY2021–FY2025) 100 10%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: ordinary company. Formula version 2026-10-19.4.

How the Dividend Growth Score is built for SYF
InputValuePointsWeight
5-year dividend growth5-year dividend CAGR 5.5% (2020–2025) 75 25%
Consecutive annual increases4 consecutive annual increases (through 2025) 52 20%
Payout headroomHeadroom from the earnings payout ratio 13% (TTM to Sep 30, 2026) 100 20%
Earnings per share growth (3 years)EPS CAGR 14.7% (FY2022–FY2025) 100 15%
Revenue growth (3 years)Revenue CAGR 13.2% (FY2022–FY2025) 100 10%
10-year dividend growthN/A (not used) N/A 10%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: ordinary company. Formula version 2026-10-19.4.

How the Dividend Value Score is built for SYF
InputValuePointsWeight
Yield vs own historyCurrent yield at the 22nd percentile of its 111 month-end yields 22 40%
P/E vs own 5-year medianP/E 7.7 is 1.04x its 5-year median of 7.4 44 25%
FCF yieldN/A (not used) N/A 20%
P/E vs peersP/E 7.7 vs peer median 19.4 (0.40x; 65 corporation / Financial Services securities) 100 15%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: ordinary company. Formula version 2026-10-19.4.

Key Metrics

Current Yield

1.77%

At the Oct 30, 2026 price

The annual dividend as a percentage of the share price. A 3% yield is about $3 of dividends a year for every $100 invested at today's price.

Annualized Dividend

$1.3600

Declared Oct 20, 2026

The latest declared regular dividend scaled to a full year by how often it's paid (for semi-annual payers, the latest two payments), adjusted for stock splits. A $0.25 quarterly dividend annualizes to $1.00. Special dividends are excluded.

Frequency

Q Quarterly

How often the dividend is paid, read from the dates of recent payments: Q = quarterly (4x a year), M = monthly, S = semi-annual, A = annual.

RSI (14)

61

As of Oct 30, 2026

Relative Strength Index (0-100), a price-momentum gauge. Above 70 is often called 'overbought', below 30 'oversold'. A technical signal, not a dividend metric.

52-Week Range

$63.78 – $88.47

Closes through Oct 23, 2026

The lowest and highest price over the past year, showing where today's price sits in its recent range.

Payout Ratio (TTM)

15.33%

12 months to Sep 30, 2026 (Q3 FY2026)

The share of earnings paid out as dividends over the trailing twelve months (TTM): dividends paid divided by net income across the company's four most recent reported quarters, dated by the latest quarter end. A fiscal-year tag such as FY2025 means only annual figures were available. Lower leaves more cushion; above 100% means paying out more than the company earned. It shows n/a for funds and when net income over the period was negative; for REITs and BDCs it is marked EPS-based, since they are judged on FFO/AFFO or net investment income instead.

Years Paying

10

How many years of payments we have on record. This can understate very long histories where our data doesn't reach far enough back.

Price / Book (TTM)

1.42

Price as of Oct 25, 2026; latest reported book value

Price-to-book ratio: the share price on the date shown divided by the latest reported book value per share. A rough valuation gauge, most useful for asset-heavy sectors like REITs, banks and insurers.

S.A.F.E. Dividend Read

S.A.F.E. is a set of four checks on a dividend's record and the company's data, the same test used across the screener and our ranked lists. Solid: a Dividend Safety Score of 70+ and a yield of 2%+. Accelerating: at least three consecutive completed calendar years of higher total regular dividends. Flawless: since 1990, no calendar year whose total regular dividend fell more than 20% below the year before, and no suspension. Enduring: at least 20 years between the first and latest dividend in our records. All four met earns the S.A.F.E. flag.
S Solid
Below the Solid check (Dividend Safety Score 70+ and yield 2%+): Dividend Safety Score 78/100, yield 1.77%.
A Accelerating
4 consecutive years of dividend increases.
F Flawless
No calendar year's regular dividend total fell more than 20% below the year before, and no suspension of the regular dividend is on record.
E Enduring
10 year(s) of payments on record, under the 20 this check looks for.

Quote & Key Data

ExchangeNYSEThe stock exchange where the shares trade, such as NYSE or Nasdaq.
Volume3,787,636Oct 23, 2026 sessionHow many shares changed hands in the trading session dated beside this figure, a rough read on trading activity. Daily bars are refreshed on a slower cycle than the quoted price, so this session can be older than the price above.
Open$73.80Oct 23, 2026 sessionThe price at the start of the trading session dated beside this figure, which can be earlier than the session the quoted price comes from.
Day Range$73.10 – $74.37Oct 23, 2026 sessionThe lowest and highest price during the trading session dated beside this figure, which can be earlier than the session the quoted price comes from.
Prev Close$75.09Close of Oct 22, 2026The closing price from the session before the one dated beside these figures.
Market Cap$25.04BAs of Oct 30, 2026The company's total market value (share price times shares outstanding) on the date shown.
Shares Out325.37MImplied by market cap, Oct 30, 2026Shares outstanding implied by the market cap and share price on the date shown.
EPS (TTM)$10.4512 months to Sep 30, 2026 (Q3 FY2026)Earnings per share over the trailing twelve months (TTM), labeled with the end date of the latest reported quarter and shown in the company's reporting currency. Dividends are paid out of these earnings.
P/E (TTM)7.6Price as of Oct 25, 2026; earnings to Sep 30, 2026Price-to-earnings ratio: the share price on the date shown divided by trailing-twelve-month earnings per share. A rough gauge of how richly the stock is valued.
Last Ex-DateAug 05, 2026Paid Aug 17, 2026The most recent ex-dividend date that has already passed.
Next Ex-DateNov 05, 2026Pays Nov 16, 2026; declaredThe ex-dividend date of the next payment the company has declared, or that is scheduled when no declaration is on file. Future dates our data provider only projects are not shown.

Dividend Growth

3-Yr Growth (CAGR)8.5%Annual totals, 2022–2025The dividend's average annual growth rate over the period, compounded.
5-Yr Growth (CAGR)5.5%Annual totals, 2020–2025The dividend's average annual growth rate over the period, compounded.
Consecutive Increases4 yrsAnnual totals through 2025The number of consecutive years the dividend has increased.

Why the Yield Moved (90 Days)

SYF's dividend yield rose from 1.75% to 1.77% over the past ~90 days (+0.02 pp). Of that move, +0.00 pp came from changes in the dividend rate and +0.02 pp from the share price ($77.84 on Aug 03, 2026 → $76.97 on Oct 30, 2026). A yield that rises because the price fell is not an improvement in the payout itself.

Yield vs Its Own History

Current1.77%
1-Yr Average1.67%
Low / High1.36% – 1.92%
Percentile79%

Across 272 daily observations over the past 13 months (through Oct 23, 2026), SYF's current yield is higher than approximately 79% of them. Our stored price history for SYF covers the past 13 months; 3- and 5-year averages are not yet computable from it and are deliberately not shown.

Adjusted Price History

Dividend History

Dividend Payment History

Ex-dividend calendar →
Amount Type Declared Ex-Date Record Pay
$0.3400 Q Regular upcoming, declared Oct 20, 2026 Nov 05, 2026 Nov 05, 2026 Nov 16, 2026
$0.3400 Q Regular Jul 21, 2026 Aug 05, 2026 Aug 05, 2026 Aug 17, 2026
$0.3000 Q Regular Apr 21, 2026 May 05, 2026 May 05, 2026 May 15, 2026
$0.3000 Q Regular Jan 27, 2026 Feb 06, 2026 Feb 06, 2026 Feb 17, 2026
$0.3000 Q Regular Oct 23, 2025 Nov 05, 2025 Nov 05, 2025 Nov 17, 2025
$0.3000 Q Regular Jul 22, 2025 Aug 05, 2025 Aug 05, 2025 Aug 15, 2025
$0.3000 Q Regular Apr 22, 2025 May 05, 2025 May 05, 2025 May 15, 2025
$0.2500 Q Regular Jan 21, 2025 Feb 03, 2025 Feb 03, 2025 Feb 18, 2025
$0.2500 Q Regular Oct 24, 2024 Nov 04, 2024 Nov 04, 2024 Nov 15, 2024
$0.2500 Q Regular Jul 23, 2024 Aug 05, 2024 Aug 05, 2024 Aug 15, 2024
$0.2500 Q Regular Apr 24, 2024 May 03, 2024 May 06, 2024 May 15, 2024
$0.2500 Q Regular Jan 24, 2024 Feb 02, 2024 Feb 05, 2024 Feb 15, 2024
$0.2500 Q Regular Oct 19, 2023 Oct 31, 2023 Nov 01, 2023 Nov 09, 2023
$0.2500 Q Regular Jul 20, 2023 Jul 28, 2023 Jul 31, 2023 Aug 10, 2023
$0.2300 Q Regular Apr 20, 2023 May 01, 2023 May 02, 2023 May 12, 2023
$0.2300 Q Regular Jan 25, 2023 Feb 03, 2023 Feb 06, 2023 Feb 17, 2023
$0.2300 Q Regular Oct 20, 2022 Oct 31, 2022 Nov 01, 2022 Nov 10, 2022
$0.2300 Q Regular Jul 21, 2022 Jul 29, 2022 Aug 01, 2022 Aug 11, 2022
$0.2200 Q Regular Apr 21, 2022 Apr 29, 2022 May 02, 2022 May 12, 2022
$0.2200 Q Regular Jan 25, 2022 Feb 09, 2022 Feb 10, 2022 Feb 17, 2022
$0.2200 Q Regular Oct 21, 2021 Oct 29, 2021 Nov 01, 2021 Nov 12, 2021
$0.2200 Q Regular Jul 22, 2021 Jul 30, 2021 Aug 02, 2021 Aug 12, 2021
$0.2200 Q Regular Apr 22, 2021 Apr 30, 2021 May 03, 2021 May 13, 2021
$0.2200 Q Regular Jan 26, 2021 Feb 04, 2021 Feb 05, 2021 Feb 16, 2021
$0.2200 Q Regular Oct 21, 2020 Oct 30, 2020 Nov 02, 2020 Nov 12, 2020
$0.2200 Q Regular Jul 22, 2020 Jul 31, 2020 Aug 03, 2020 Aug 13, 2020
$0.2200 Q Regular Apr 24, 2020 May 01, 2020 May 04, 2020 May 14, 2020
$0.2200 Q Regular Jan 28, 2020 Feb 06, 2020 Feb 07, 2020 Feb 13, 2020
$0.2200 Q Regular Oct 23, 2019 Nov 01, 2019 Nov 04, 2019 Nov 14, 2019
$0.2200 Q Regular Jul 24, 2019 Aug 02, 2019 Aug 05, 2019 Aug 15, 2019
$0.2100 Q Regular Apr 24, 2019 May 03, 2019 May 06, 2019 May 16, 2019
$0.2100 Q Regular Jan 22, 2019 Feb 01, 2019 Feb 04, 2019 Feb 14, 2019
$0.2100 Q Regular Oct 24, 2018 Nov 02, 2018 Nov 05, 2018 Nov 15, 2018
$0.2100 Q Regular Jul 26, 2018 Aug 03, 2018 Aug 06, 2018 Aug 16, 2018
$0.1500 Q Regular Apr 25, 2018 May 04, 2018 May 07, 2018 May 17, 2018
$0.1500 Q Regular Jan 23, 2018 Feb 02, 2018 Feb 05, 2018 Feb 15, 2018
$0.1500 Q Regular Oct 25, 2017 Nov 03, 2017 Nov 06, 2017 Nov 16, 2017
$0.1500 Q Regular Jul 27, 2017 Aug 03, 2017 Aug 07, 2017 Aug 17, 2017
$0.1300 Q Regular Apr 27, 2017 May 04, 2017 May 08, 2017 May 18, 2017
$0.1300 Q Regular Jan 25, 2017 Feb 02, 2017 Feb 06, 2017 Feb 16, 2017
$0.1300 Q Regular Oct 28, 2016 Nov 03, 2016 Nov 07, 2016 Nov 17, 2016
$0.1300 Q Regular Jul 25, 2016 Aug 10, 2016 Aug 12, 2016 Aug 25, 2016

Peer Comparison

Selected Financial - Credit Services dividend payers we cover, strongest DividendRank first — for context, not a recommendation.

TickerNameYield5-Yr GrowthStreakRank
MA Mastercard Incorporated 0.55% 13.7% 14 yrs 83
GPN Global Payments Inc. 1.17% 5.1% 0 yrs 81
GCSSF Gecoss Corporation 4.57% 3.9% 2 yrs 76
ORXCF ORIX Corporation 2.91% 7.5% 2 yrs 73

Related Guides & Lists

SYF dividend — frequently asked questions

Does Synchrony Financial pay a dividend?

Yes. Synchrony Financial (SYF) currently pays a dividend. The annualized dividend is about $1.36 per share, a yield of approximately 1.77%.

What is Synchrony Financial's dividend yield?

Synchrony Financial's dividend yield is approximately 1.77%, based on the most recent regular payment annualized against the current share price. Yields move as the share price changes.

How often does Synchrony Financial pay dividends?

Synchrony Financial pays dividends quarterly — 4 times per year.

When is Synchrony Financial's next ex-dividend date?

The next declared ex-dividend date for Synchrony Financial is November 5, 2026. The associated payment is $0.3400 per share; you must own the shares before the ex-dividend date to receive it.

How long has Synchrony Financial paid dividends?

Synchrony Financial has 10 years of dividend payments on record, and has increased its dividend for 4 consecutive years.

Data updated Oct 30, 2026. This research page is generated from Dividendly's structured market and dividend dataset using the approach described on our methodology and data sources pages. Data is automatically validated using defined rules and may also be periodically reviewed. Research only, not investment advice. Spotted a data error? Report it.