US · SYF
Synchrony Financial
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Stamford, CT 06902
- Website
- synchrony.com
Price · as of 2025-12-31
$75.76
Market cap 24.89B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $63.43 | -16.28% |
| Intrinsic Value(DCF) | $55.60 | -26.61% |
| Graham-Dodd Method(GD) | $71.30 | -5.89% |
| Graham Formula(GF) | $4.75 | -93.73% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | $17.95 | $35.80 | |||
| 2014 | $25.29 | $75.34 | $15.96 | $26.50 | $42.88 |
| 2015 | $22.90 | $74.01 | $15.17 | $27.25 | $39.88 |
| 2016 | $28.99 | $66.28 | $49.26 | $25.68 | $53.75 |
| 2017 | $30.55 | $71.52 | $71.57 | $20.40 | $49.09 |
| 2018 | $26.53 | $71.75 | $74.50 | $26.40 | $67.23 |
| 2019 | $24.37 | $84.68 | $27.33 | $35.85 | $61.50 |
| 2020 | $38.16 | $65.16 | $17.74 | $17.18 | $0.00 |
| 2021 | $31.93 | $81.78 | $24.93 | $45.21 | $0.00 |
| 2022 | $30.03 | $64.17 | $26.61 | $41.02 | $156.73 |
| 2023 | $40.60 | $51.38 | $285.21 | $41.20 | $202.79 |
| 2024 | $53.76 | $57.01 | $1,148.22 | $64.95 | $238.88 |
| 2025 | $68.64 | $63.43 | $256.54 | $71.30 | $4.75 |
AI valuation
Our deep-learning model estimates Synchrony Financial's (SYF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $63.43
- Current price
- $75.76
- AI upside
- -16.28%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$55.60
-26.61% upside
Graham-Dodd
$71.30
-5.89% upside
Graham Formula
$4.75
-93.73% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SYF | Synchrony Financial | $75.76 | 24.89B | -16% | -27% | -6% | -94% | 6.92 | 1.47 | 1.28 | 4.37 | 79.90 | 1.74 | 51.04% | 24.17% | 18.58% | 21.30% | 24.60% | 2.98% | 0.91 | 1.12 | 0.21 | 0.21 | 0.04 | 865.00% | -791.00% | 3.00% | 40.11% | 0.12 | 68.22% | 2.08% | 14.40% | 16.26% | 4.85 | 2.28 | 1.17 | 0.08 |
| BBDO | Banco Bradesco S.A. | $3.74 | 39.57B | +287% | +2,945% | -47% | +416% | 8.65 | 1.15 | 0.59 | 46.87 | 23.12 | 1.34 | 34.61% | 5.40% | 6.78% | 13.65% | 2.79% | 1.08% | 4.45 | 0.10 | 0.46 | 0.00 | 37.26 | 3742.00% | 3985.00% | -37561.00% | 125.95% | 0.39 | 38.13% | 5.78% | 50.00% | 5.89% | 52.95 | 3.87 | 2.86 | 0.10 |
| FITB | Fifth Third Bancorp | $49.47 | 32.7B | -4% | -28% | -64% | -48% | 13.13 | 1.52 | 2.57 | 6.99 | 103.07 | 1.98 | 65.29% | 24.95% | 19.61% | 12.19% | -78.12% | 1.18% | 0.67 | 0.82 | 0.82 | 0.82 | 3.05 | 1274.00% | -140.00% | -4776.00% | 3.80% | 0.01 | -38.98% | 3.51% | 46.10% | 21.08% | 7.87 | 20.06 | 1.96 | 0.20 |
| IX | ORIX Corporation | $35.55 | 39.47B | +4% | -76% | -47% | -41% | 10.40 | 0.89 | 1.27 | 9.50 | 340.25 | 1.28 | 41.76% | 11.54% | 12.23% | 8.76% | 2.59% | 2.12% | 1.60 | 1.96 | 2.16 | 2.04 | 5.65 | 306.00% | 215.00% | 237.00% | 32.89% | 0.38 | 12.82% | 3.71% | 38.60% | 7.72% | 27.05 | 7.46 | 3.12 | 0.97 |
| KB | KB Financial Group Inc. | $110.00 | 39.44B | -6% | +446,716% | +54% | +307% | 10.01 | 0.95 | 1.15 | 6.85 | 49.71 | 0.95 | 49.06% | 16.83% | 11.54% | 9.80% | 9.00% | 1.54% | 0.00 | 0.65 | — | — | 0.00 | 2013.00% | 3420.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 188.08% | 6.85 | — | 1.15 | — |
| MS | Morgan Stanley | $166.47 | 264.57B | -27% | +135% | -69% | +30% | 15.56 | 2.35 | 2.26 | 7.45 | 54.98 | 2.95 | 57.48% | 18.91% | 14.52% | 15.60% | 30.78% | 1.28% | 4.26 | 0.45 | 1.17 | 1.17 | 13.70 | 2830.00% | 1257.00% | -229524.00% | 17.57% | 0.09 | 83.34% | 2.51% | 39.10% | 4.74% | 9.02 | 4.29 | 1.70 | 0.45 |
| MTB | M&T Bank Corporation | $216.98 | 33.35B | -40% | -6% | -46% | -98% | 12.57 | 1.23 | 2.91 | -1.65 | 77.99 | 1.74 | 74.62% | 29.99% | 23.16% | 9.80% | -97.99% | 1.35% | 0.45 | 1.04 | 0.32 | 0.32 | -1.44 | 1612.00% | -818.00% | -1573.00% | 7.98% | 0.02 | -98.30% | 2.92% | 36.70% | 10.26% | -1.76 | -2.28 | -0.53 | -0.43 |
| SHG | Shinhan Financial Group C… | $66.81 | 32.18B | +6% | -45% | +15% | +17% | 4.87 | 0.40 | 0.63 | 5.06 | 99.59 | 0.44 | 44.03% | 17.04% | 12.58% | 8.30% | 6.41% | 0.64% | 2.68 | 0.34 | 0.33 | 0.33 | 14.86 | 489.00% | 466.00% | -216421.00% | 17.32% | 0.01 | 5.41% | 5.71% | 27.80% | 8.86% | 6.14 | 9.61 | 1.05 | -0.34 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
| WRB | W. R. Berkley Corporation | $71.70 | 27.25B | +42% | -21% | -34% | -2% | 16.33 | 2.96 | 1.98 | 13.15 | 791.02 | 2.96 | 19.81% | 15.87% | 12.10% | 19.55% | -319.05% | 6.66% | 0.29 | 18.40 | — | — | 0.15 | 206.00% | 782.00% | -448.00% | 11.75% | — | -596.00% | 0.00% | 0.00% | 1.76% | 13.36 | 9.14 | 2.12 | 1.41 |
About Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company 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, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
- CEO
- Brian D. Doubles
- Employees
- 20K
- Beta
- 1.40
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($55.60 ÷ $75.76) − 1 = -26.61% (DCF, example).