Synchrony Financial
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$75.99
FAIR PRICE
$119.12
MARGIN
$43.13
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FPI RATING
High-quality fundamentals and attractive valuation, but weak profitability margins.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$95.30
Fair price × 0.80
DISTANCE
25.4%
Price to entry level
At the current price of $75.99, SYF trades 25.4% below the conservative entry level of $95.30. The stock is currently priced below the 20% margin of safety threshold, indicating a potential value opportunity based on the model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate SYF's fair price
Synchrony Financial's fair price of $119.12 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $75.99, SYF trades 56.8% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting SYF's risk profile.
RELATIVE · 30%
Comparing SYF's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for SYF, weighted by recency and analyst accuracy.
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Want to test your own assumptions? Use our free calculators to estimate SYF's fair value with your own inputs.
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What is the fair price of SYF?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Synchrony Financial is $119.12. At the current market price of $75.99, SYF trades 56.8% below its calculated fair value.
Is SYF overvalued or undervalued?+
Synchrony Financial is currently undervalued based on our valuation model. The stock trades at $75.99, which is 56.8% below the fair price of $119.12. The P/E ratio of 7.5x is a key metric in the valuation.
What is the margin of safety for SYF?+
With a 20% margin of safety applied to the fair price of $119.12, the conservative entry level for SYF is $95.30. At the current market price of $75.99, the stock trades 25.4% below this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is SYF's fair price updated?+
We update fair price calculations for SYF daily after market close. The current fair price of $119.12 incorporates the latest market data and sector multiples.
What factors affect SYF's fair price calculation?+
SYF's fair price of $119.12 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 7.5x, ROE of 21.4%, and dividend yield of 1.60%.
Is SYF a good buy right now?+
At $75.99, SYF trades 56.8% below our fair value estimate of $119.12. The stock is currently undervalued. ROE stands at 21.4% (strong). Fair Price Index provides valuation data — always do your own research before investing.
Does SYF pay dividends?+
SYF has a dividend yield of 1.60%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.