Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.58%.
YIELD ON COST (YOC)
1.58%
SYF now pays $1.24 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-09-09) | $26.93 | 4.60% |
| 5 years ago(2021-09-07) | $46.68 | 2.66% |
| 3 years ago(2023-09-08) | $31.28 | 3.96% |
| 1 year ago(2025-09-08) | $75.14 | 1.65% |
| Buying today(at $78.03) | $78.03 | 1.58% |
Projection: starting from today's 1.58% yield, assuming the dividend keeps compounding at 6.9% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
1.58%
In 3 years
1.93%
In 5 years
2.20%
In 10 years
3.08%
Try your own purchase price, dividend and growth rate for Synchrony Financial (SYF).
Starting Yield
1.59%
Ending YOC
3.55%
Year 15 Dividend
$2.77
Cum. Dividends Recd.
$29.32
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.24 | N/A | 1.59% | $0.00 |
| Year 1 | $1.31 | +5.50% | 1.68% | $1.31 |
| Year 2 | $1.38 | +5.50% | 1.77% | $2.69 |
| Year 3 | $1.46 | +5.50% | 1.87% | $4.14 |
| Year 4 | $1.54 | +5.50% | 1.97% | $5.68 |
| Year 5 | $1.62 | +5.50% | 2.08% | $7.30 |
| Year 6 | $1.71 | +5.50% | 2.19% | $9.01 |
| Year 7 | $1.80 | +5.50% | 2.31% | $10.81 |
| Year 8 | $1.90 | +5.50% | 2.44% | $12.72 |
| Year 9 | $2.01 | +5.50% | 2.57% | $14.73 |
| Year 10 | $2.12 | +5.50% | 2.71% | $16.84 |
| Year 11 | $2.23 | +5.50% | 2.86% | $19.08 |
| Year 12 | $2.36 | +5.50% | 3.02% | $21.44 |
| Year 13 | $2.49 | +5.50% | 3.19% | $23.92 |
| Year 14 | $2.62 | +5.50% | 3.36% | $26.55 |
| Year 15 | $2.77 | +5.50% | 3.55% | $29.32 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
