Basis: Latest reported fiscal year. Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.65%.
YIELD ON COST (YOC)
1.65%
SYF now pays $1.20 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(2016-07-26) | $28.11 | 4.27% |
| 5 years ago(2021-07-22) | $45.91 | 2.61% |
| 3 years ago(2023-07-25) | $35.16 | 3.41% |
| 1 year ago(2025-07-23) | $72.08 | 1.66% |
| Buying today(at $72.90) | $72.90 | 1.65% |
Projection: starting from today's 1.65% yield, assuming the dividend keeps compounding at its historical 5.5% rate. Boards set dividends each year, so actual figures will differ.
Today
1.65%
In 3 years
2.15%
In 5 years
2.57%
In 10 years
4.02%
Try your own purchase price, dividend and growth rate for Synchrony Financial (SYF).
Starting Yield
1.65%
Ending YOC
3.67%
Year 15 Dividend
$2.68
Cum. Dividends Recd.
$28.37
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.20 | N/A | 1.65% | $0.00 |
| Year 1 | $1.27 | +5.50% | 1.74% | $1.27 |
| Year 2 | $1.34 | +5.50% | 1.83% | $2.60 |
| Year 3 | $1.41 | +5.50% | 1.93% | $4.01 |
| Year 4 | $1.49 | +5.50% | 2.04% | $5.50 |
| Year 5 | $1.57 | +5.50% | 2.15% | $7.07 |
| Year 6 | $1.65 | +5.50% | 2.27% | $8.72 |
| Year 7 | $1.75 | +5.50% | 2.39% | $10.47 |
| Year 8 | $1.84 | +5.50% | 2.53% | $12.31 |
| Year 9 | $1.94 | +5.50% | 2.67% | $14.25 |
| Year 10 | $2.05 | +5.50% | 2.81% | $16.30 |
| Year 11 | $2.16 | +5.50% | 2.97% | $18.46 |
| Year 12 | $2.28 | +5.50% | 3.13% | $20.74 |
| Year 13 | $2.41 | +5.50% | 3.30% | $23.15 |
| Year 14 | $2.54 | +5.50% | 3.48% | $25.69 |
| Year 15 | $2.68 | +5.50% | 3.67% | $28.37 |
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
