SYF

Synchrony Financial

Financial
US companies in Financial - Credit Services (15)
NYSE · USD
Mkt cap $25.0bn

$76.97

as of 29 Oct 2026, 13% below its 52-week high

Screens as reasonably placed to keep growing its dividend, with low cut-risk signals. Its valuation looks somewhat extended against its own history.

These scores are a resilience check on the dividend, not a recommendation to buy or sell. They are not financial advice.

Trailing yield: 1.61%Last 12 months of regular payments at today's price
Forward yield: 1.77%Each payment expected in the next 12 months, not the latest one doubled
Cash cover: Over 20×Free cash flow over dividends paid
Earnings cover: 6.5×Insurers and banks set dividends from capital generation, so their accounting earnings can sit well below the payout.
5y dividend growth: +5.5% a yearNo cut since FY2018
Next ex-dividend date: Declared5 Nov 2026Quarterly dividend of $0.34

Compared with US companies in Financial - Credit Services (15)

Trailing yield is higher than 9 of the 14 other US companies in Financial - Credit Services.
5y dividend growth (as paid) is lower than 9 of the 13 other US companies in Financial - Credit Services with a 5y growth figure.

Quality

Moderate

Capacity to keep growing the dividend

Risk

Low

Signals of dividend-cut pressure

Trim

Moderate

How extended the valuation looks

Why Quality is 67

SYF against US companies in Financial - Credit Services (15)

Valuation against its own history

As of the last reported period (30 Sept 2026). P80 means the figure is higher than 80% of SYF’s past readings.

P/E6.8×P49, neutral for this measure
Yield1.75%P34, neutral for this measure
FCF payout5.3%P42, neutral for this measure
DGR 5y+7.1%P57, neutral for this measure
ROIC6.1%P14, poor for this measure

Net debt / EBITDA is left out: for banks and insurers, debt is part of the business, so the ratio says little.

Open valuation history

Forecast your income with the SYF dividend calculator

Inspect surfaces history; it does not predict the future. Nothing here is financial advice or an instruction to buy or sell. Always do your own research. See the Terms of Service.