Synchrony Financial (SYF) returns
Synchrony Financial returns over 10 years
$1,000 invested in Synchrony Financial ten years ago was worth $3,275 at the close on October 30, 2026, with dividends reinvested: an average return of 12.6% a year. The same $1,000 in the S&P 500 (SPY) became $4,166.
Total return by period
| Period | Total return | A year, on average | $1,000 became | S&P 500 (SPY) |
|---|---|---|---|---|
| 1 month | +6.2% | — | $1,062 | -0.9% |
| 3 months | -1.9% | — | $980.60 | +2.1% |
| Year to date | -8.6% | — | $914.35 | +11.7% |
| 1 year | +4.1% | — | $1,041 | +12.4% |
| 3 years | +182.6% | +41.4% | $2,826 | +88.5% |
| 5 years | +80.4% | +12.5% | $1,804 | +76.0% |
| 10 years | +227.5% | +12.6% | $3,275 | +316.6% |
Synchrony Financial return by calendar year
| Year | SYF | S&P 500 (SPY) | Difference |
|---|---|---|---|
| 2026 to date | -8.6% | +11.7% | -20.3% |
| 2025 | +30.6% | +17.7% | +12.9% |
| 2024 | +74.0% | +24.9% | +49.1% |
| 2023 | +19.8% | +26.2% | -6.4% |
| 2022 | -27.4% | -18.2% | -9.3% |
| 2021 | +36.4% | +28.7% | +7.6% |
| 2020 | +0.0% | +18.4% | -18.3% |
| 2019 | +57.5% | +31.2% | +26.2% |
| 2018 | -37.8% | -4.6% | -33.2% |
| 2017 | +8.4% | +21.7% | -13.3% |
| 2016 | +20.4% | +12.0% | +8.4% |
Past returns do not predict future returns. Returns are computed from our daily closes, adjusted for splits and with dividends reinvested on their ex-dates; taxes and trading costs are left out.
See also: SYF valuation
No forecast, no recommendation. This page describes Synchrony Financial from published data; it is not advice to buy, sell or hold any security.
Figures as of the close on Oct 30, 2026 unless a row says otherwise. Prices are split adjusted; returns include dividends reinvested. Data may be delayed. See the disclaimer and how TrendArc works.