SYF Share Price Performance
US$69.27
13.43 (24.05%)
21.5% undervalued intrinsic discount
US$88.22
Fair Value
Price US$69.27
AnalystConsensusTarget US$88.22
AnalystHighTarget US$103.00
barmoss US$105.00
Fair ValueUS$90.26
Share Pricen/a
Synchrony Financial Stock Price
- 4 Narratives written by author
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- 71 Fair Values set on narratives written by author
SYF Community Narratives
AN
Fair Value US$90.26 23.3% undervalued intrinsic discount
Retail Partnerships And Expanding Programs Will Drive Confidence In The Coming Year
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Fair Value US$103 32.7% undervalued intrinsic discount
Digital Payments And BNPL Will Shape Consumer Credit Trends
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BA
Fair Value US$105 34.0% undervalued intrinsic discount
Synchrony Financial's Fair Value Heading to 105 in the Future
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Synchrony Financial's Fair Value Heading to 105 in the Future
Current Market Price: ~$84.55 per share (Dec 2025) 1) Valuation Inputs & Model Overview (Your DCF/Excess-Returns) You’ve built a Discounted Cash Flow (Excess Returns) valuation using the following key inputs: Valuation Framework — Excess Returns Model Book Value (per share): $50.61 Stable ROE: 19.7% Cost of Equity (Discount Rate): 8.97% Perpetual Growth: 3.3% Excess Returns (ROE − Cost of Equity): (19.7% − 8.97%) × $50.61 = $5.42 per share Terminal Value of Excess Returns: $5.42 / (8.97% − 3.26%) = $94.84 Fair Value (Equity): Book Value + Terminal Excess Returns = $145.46 per share ➡️ Conclusion: Intrinsic value is ~$145.46 , which is ~41.9% above the current share price. This suggests the stock is significantly undervalued based on your model’s assumptions.Read more
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Retail Partnerships And Expanding Programs Will Drive Confidence In The Coming Year
Key Takeaways Strategic partnerships and digital payment product launches with leading retailers are driving recurring revenue, customer retention, and stable earnings. Investment in advanced analytics, AI, and embedded finance expands operational efficiency, risk mitigation, and promotes sustainable growth across diversified markets.Read more
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AN
US$90.26
23.3% undervalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
20.32% p.a.
Profit Margin
19.12%
Future PE
10.06x
Price in 2029
US$116.89
Credit Actions And Tariffs Will Squeeze Net Margins
Key Takeaways Decline in purchase volume and credit actions present risks to future earnings and profitability. Rising costs and macroeconomic uncertainties could lead to weaker revenue outlook and margin compression.Read more
25
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AN
US$74.38
6.9% undervalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
17.83% p.a.
Profit Margin
18.98%
Future PE
8.87x
Price in 2029
US$96.17
Digital Payments And BNPL Will Shape Consumer Credit Trends
Key Takeaways Deepening partnerships and investment in digital capabilities position Synchrony to capitalize on digital payments growth and evolving consumer credit trends. Focus on high-growth verticals and robust capital returns strategy underpin strong potential for sustainable earnings and expansion in its addressable market.Read more
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AN
US$103
32.7% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
22.53% p.a.
Profit Margin
19.91%
Future PE
10.45x
Price in 2029
US$133.66
Trending Discussion
Recently Updated Narratives
BA
Synchrony Financial's Fair Value Heading to 105 in the Future
Fair Value: US$105 34.0% undervalued intrinsic discount
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AN
SYF: Future Returns Will Rely On Benign Credit And Aggressive Buybacks
Fair Value: US$90.26 23.3% undervalued intrinsic discount
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AN
SYF: Balancing Rising Regulatory Threats With Higher Forward P E Expectations
Fair Value: US$74.38 6.9% undervalued intrinsic discount
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Snowflake Analysis
Very undervalued with excellent balance sheet and pays a dividend.
2 Risks
6 Rewards
Synchrony Financial Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
n/a
- 9.98
- 100.00%
- 35.56%
- 90.6%
About SYF
- Founded
- 1932
- Employees
- 20000
- CEO
- WebsiteView website
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
