Synchrony FinancialSYF +1.71%75 Dividend Payout Ratio is 0.13 as of Mar. 2026, which is 13% below its 10-year median of 0.15. GuruFocus rates SYF with a GF Score™ of 75/100 and a GF Value™ of $65.62 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 195 Credit Services companies, Synchrony Financial ranks better than 78.97% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Synchrony Financial's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.13.
The historical rank and industry rank for Synchrony Financial's Dividend Payout Ratio or its related term are showing as below:
SYF'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.15 Max: 0.39
Current: 0.12
During the past 13 years, the highest Dividend Payout Ratio of Synchrony Financial was 0.39. The lowest was 0.10. And the median was 0.15.
SYF's Dividend Payout Ratio is ranked better than 78.97% of 195
companies
in the Credit Services industry
Industry Median: 0.32
vs SYF: 0.12
During the past 12 months, Synchrony Financial's average Dividends Per Share Growth Rate was 20.00% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 8.50% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 5.20% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Synchrony Financial was 49.00% per year. The lowest was 1.50% per year. And the median was 6.90% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Synchrony Financial (NYSE:SYF) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Synchrony Financial Dividend Payout Ratio Related Terms
Synchrony Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Synchrony Financial's Dividend Payout Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SYF vs AFRM, SOFI, ALLY: Dividend Payout Ratio Comparison
For the Credit Services subindustry, Synchrony Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Synchrony Financial Dividend Payout Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Synchrony Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Synchrony Financial's Dividend Payout Ratio falls into.
Synchrony Financial Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Synchrony Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Synchrony Financial (SYF) has a Dividend Payout Ratio of 0.13 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Synchrony Financial and its competitors. This is 13% below median its historical median of 0.15. Over the past decade, Synchrony Financial's Dividend Payout Ratio has ranged from 0.10 to 0.39. According to the industry distribution chart, Synchrony Financial ranks #41 out of 195 companies in the Credit Services industry, placing it in the top 21%.
Is Synchrony Financial's Dividend Payout Ratio too high?
Synchrony Financial's current Dividend Payout Ratio of 0.13 is 13% below median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.39. The Credit Services industry median Dividend Payout Ratio is 0.32. Synchrony Financial's value of 0.13 is 59.4% below this industry median. Based on the distribution chart, Synchrony Financial ranks #41 out of 195 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Synchrony Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Dividend Payout Ratio compare to AFRM and SOFI?
According to the Credit Services industry distribution chart, Synchrony Financial ranks #41 out of 195 companies for Dividend Payout Ratio. This places Synchrony Financial in the top 21% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Synchrony Financial's value of 0.13 is 59.4% below this benchmark. Historically, Synchrony Financial's own Dividend Payout Ratio has ranged from 0.10 to 0.39 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.32, Synchrony Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.32, based on 195 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Synchrony Financial's current Dividend Payout Ratio of 0.13 is 59.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Synchrony Financial and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Synchrony Financial's current Dividend Payout Ratio is 0.13, which is 13% below median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Synchrony Financial stock overvalued right now?
Based on GuruFocus' analysis, Synchrony Financial (SYF) is currently considered Modestly Overvalued. The stock's GF Value™ is $65.62, compared to a current price of $76.32 — trading 16.3% above its estimated fair value. The current Dividend Payout Ratio is 0.13, which is 13% below median its 10-year median of 0.15 and 59.4% below the Credit Services industry median of 0.32. Synchrony Financial's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Dividend Payout Ratio is 0.13 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Synchrony Financial (SYF) Overvalued in 2026?
Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued.
The current stock price of $76.32 is trading 16.3% above its estimated GF Value™ of $65.62.
GuruFocus considers Synchrony Financial to be Modestly Overvalued.
Key valuation signals for SYF:
Dividend Payout Ratio: 0.13 (13% below median its 10-year median of 0.15)
GF Value™: $65.62 vs. price of $76.32 (16.3% above fair value)
Industry Position: 59.4% below the Credit Services median (#41 of 195)
No single metric tells the full story. See the SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
75GF Score
Get the complete analysis for SYF
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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