SYF dividend capture — median 1d pre-ex touch, 100% /30d touch rate over 19 ex-dates. Next ex-date, event history, after-tax calculator & simulator.
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
Synchrony Financial (SYF) has touched its pre-ex close within 30 trading days in 100% of the last 19 ex-dividend events, with a median time-to-touch of 1 trading day (limit-order recovery basis). The dividend is below the typical daily price swing (signal-to-noise 0.18), meaning ordinary day-to-day noise can easily exceed the dividend itself.
Versus its sector, SYF sits roughly in line with the Financial Services sector benchmark of 95%. The sector median time-to-touch is 1 trading day, matching the peer pace.
Historical base rates are not predictions; transaction costs, slippage, and ordinary-income tax on short holding periods can materially reduce realized profit. The next ex-dividend date is estimated at Nov 4, 2026 (±1 day), based on the historical pattern; the company has not yet declared a dividend.
Touch rate (30d)
100%
Median days-to-touch
1d
Signal-to-noise
0.18
TL;DR over the most recent 19 events.
| Metric | Value | vs sector |
|---|---|---|
| 30-day touch rate | 100% | +5pp vs sector |
| Median days-to-touch | 1d | in line with sector |
| Signal-to-noise (div / ATR) | 0.18 | -0.13 vs sector |
| Avg gap on ex-date | -0.69% | -0.11pp vs sector |
| Win rate at MOC exit | 70% | — |
| Median drawdown during hold | -5.51% | -1.11pp vs sector |
| Best / worst touch (days) | 1 / 2 | — |
Estimated from historical pattern ±1 day.
Dividend
$0.34
Per-event yield
0.46%
Annualized yield
1.59%
Previously paid
May 5, 2026 ($0.30)
Last record date
May 5, 2026
Last payment date
May 15, 2026
Per-event gap on ex-date, the pre-ex close used as the touch target, trading days to first intraday highat or above that level, plus 5/30-day touch flags, drawdown and 5-day P&L for Synchrony Financial (SYF). For a stricter close-at-bell exit timeline, use the simulator below (MOC mode). td = trading days from ex-date.
| Recovered 5d | Recovered 30d | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Q2 | $0.30 | -0.46% | $74.24 | 1 | yes | yes | -6.92% | -4.18% | |
| Q1 | $0.30 | 1.14% | $73.99 | 1 | yes | yes | -5.43% | -3.12% | |
| Q4 | $0.30 | -0.53% | $73.30 | 1 | yes | yes | -5.16% | +3.40% | |
| Q3 | $0.30 | 0.16% | $69.25 | 1 | yes | yes | -1.39% | +4.92% | |
| Q2 | $0.30 | -1.86% | $54.18 | 1 | yes | yes | -2.20% | +11.96% | |
| Q1 | $0.25 | -3.26% | $68.98 | 2 | yes | yes | -8.22% | -4.65% | |
| Q4 | $0.25 | -0.52% | $55.25 | 1 | yes | yes | -1.50% | +19.19% | |
| Q3 | $0.25 | -4.85% | $44.99 | 2 | yes | yes | -6.65% | +2.02% | |
| Q2 | $0.25 | 0.86% | $45.25 | 1 | yes | yes | -5.90% | +1.61% | |
| Q1 | $0.25 | -1.22% | $38.61 | 1 | yes | yes | -1.61% | +0.96% | |
| Q4 | $0.25 | -0.04% | $28.33 | 1 | yes | yes | -2.29% | +4.48% | |
| Q3 | $0.25 | 1.24% | $34.73 | 1 | yes | yes | -3.48% | -0.35% | |
| Q2 | $0.23 | -0.51% | $29.51 | 1 | yes | yes | -9.90% | -6.37% | |
| Q1 | $0.23 | -2.46% | $37.79 | 1 | yes | yes | -5.72% | -3.02% | |
| Q4 | $0.23 | -1.49% | $36.13 | 2 | yes | yes | -7.00% | +0.83% | |
| Q3 | $0.23 | -0.28% | $32.66 | 1 | yes | yes | -0.46% | +4.50% | |
| Q2 | $0.22 | -0.63% | $38.07 | 1 | yes | yes | -15.81% | +0.53% | |
| Q1 | $0.22 | 0.36% | $43.98 | 1 | yes | yes | -5.59% | +2.48% | |
| Q4 | $0.22 | 1.15% | $46.87 | 1 | yes | yes | -1.11% | +5.42% | |
| Q3 | $0.22 | -1.08% | $48.32 | 1 | yes | yes | -6.58% | +2.69% |
First trading session whose intraday high reached the pre-ex close within the 30-day measurement window. td = trading days from ex-date.
| Touch window | Distribution | Count | Share |
|---|---|---|---|
| ≤ 1 day | 17 | 85% | |
| 2–3 days | 3 | 15% | |
| 4–5 days | 0 | 0% | |
| 6–10 days | 0 | 0% | |
| 11–30 days | 0 | 0% | |
| 30+ | 0 | 0% |
Pre-filled with SYF's next expected dividend and recent close. Adjust tax rate, holding period and slippage to estimate after-tax capture yield.
U.S. ordinary-income rate (22-37%) applies on holds shorter than 61 days. Hold longer to qualify for the 0/15/20% qualified-dividend rate.
Replay every historical SYF ex-dividend with two exit strategies: a GTC limit-order at the pre-ex close, or hold for N days and exit at MOC. Pick the window and quarter filter that matches your plan.
Linked to your history table
These backtests use the same ex-dividend rows as Dividend Capture History on this page — 20 events loaded.
Quarter filter is All — every row in the table above is included here. Change quarter below to match the slice you want to stress-test.
Sell back at the pre-ex close on the first intraday touch within the window. If it never touches, exit at MOC after the window expires (stop-loss).
Figures are gross — before tax, commissions, and slippage. Percents are per-event return on capital at entry (pre-ex close).
Avg P&L per trade (20 events)
+0.56%
Win rate (20 trades)
100%
Cumulative P&L
+11.11%
Buy & hold (same sample)
+63.14%
Best event
+0.88%
Worst event
+0.36%
Cumulative P&L (equity curve)
Vertical axis: cumulative sum of per-event % (same units as the headline cumulative). Hover the line for exact values.
Per-event P&L distribution
20 trades in this sample · bar height ∝ count in each bucket (gross % per event).
Scenario P&L by event · SYF (20)
Scenario P&L — updates with exit mode, window, and quarter. History adds gap, touch, drawdown, and a fixed P&L 5d % (MOC). Same per-row % as that column only for MOC + 5d on the same rows. Oldest → newest, gross pre-ex close basis.
| Ex-date | P&L |
|---|---|
| +0.46% | |
| +0.47% | |
| +0.50% | |
| +0.58% | |
| +0.70% | |
| +0.64% | |
| +0.61% | |
| +0.78% | |
| +0.72% | |
| +0.88% | |
| +0.65% | |
| +0.55% | |
| +0.56% | |
| +0.45% | |
| +0.36% | |
| +0.55% | |
| +0.43% | |
| +0.41% | |
| +0.41% | |
| +0.40% |
Results are illustrative only and are not financial advice. Capture simulations use historical prices and simplified costs and tax assumptions. Actual fills, borrow fees, and market rules vary. Consult a qualified advisor before trading.
Deep-dives across the income statement, cash flow, capital return, and valuation
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
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