Synchrony Financial
SYF-PB is undervalued
NYSE · Financial Services
FAIR PRICE
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
$25.82
MARKET PRICE
$45.31
FAIR PRICE
$19.49
MARGIN
COMMUNITY BUY ZONE
UNLOCKS AT 10
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COMMUNITY MEDIAN
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BUYERS AT TODAY'S PRICE
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FPI RATING
High-quality fundamentals and low debt levels across the board.
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
$36.25
Fair price × 0.80
DISTANCE
40.4%
Price to entry level
At the current price of $25.82, SYF-PB trades 40.4% below the conservative entry level of $36.25. 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
SYNCING FEED ▌
P/E RATIO HISTORY
SYNCING FEED ▌
METHODOLOGY
How we calculate SYF-PB's fair price
Synchrony Financial's fair price of $45.31 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 $25.82, SYF-PB trades 75.5% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting SYF-PB's risk profile.
RELATIVE · 30%
Comparing SYF-PB'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-PB, weighted by recency and analyst accuracy.
TRY IT YOURSELF
Want to test your own assumptions? Use our free calculators to estimate SYF-PB's fair value with your own inputs.
SYF-PB DCF Calculator
Pre-filled with SYF-PB's real free cash flow and share count — set your own growth and discount rate to calculate intrinsic value.
Graham Number
Enter SYF-PB's EPS and book value to see the maximum price Benjamin Graham would pay for this stock.
P/E Ratio Calculator
Check how much investors pay per dollar of SYF-PB's earnings and compare it against sector benchmarks.
EV/EBITDA Calculator
Compare SYF-PB against peers on a debt-adjusted basis using enterprise value and EBITDA.
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Explore on BuliosFAQ
What is the fair price of SYF-PB?+
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 $45.31. At the current market price of $25.82, SYF-PB trades 75.5% below its calculated fair value.
Is SYF-PB overvalued or undervalued?+
Synchrony Financial is currently undervalued based on our valuation model. The stock trades at $25.82, which is 75.5% below the fair price of $45.31. The P/E ratio of 2.4x is a key metric in the valuation.
What is the margin of safety for SYF-PB?+
With a 20% margin of safety applied to the fair price of $45.31, the conservative entry level for SYF-PB is $36.25. At the current market price of $25.82, the stock trades 40.4% 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-PB's fair price updated?+
We update fair price calculations for SYF-PB daily after market close. The current fair price of $45.31 incorporates the latest market data and sector multiples.
What factors affect SYF-PB's fair price calculation?+
SYF-PB's fair price of $45.31 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 2.4x, ROE of 20.9%, and dividend yield of 7.91%.
Is SYF-PB a good buy right now?+
At $25.82, SYF-PB trades 75.5% below our fair value estimate of $45.31. The stock is currently undervalued. ROE stands at 20.9% (strong). Fair Price Index provides valuation data — always do your own research before investing.
Does SYF-PB pay dividends?+
SYF-PB has a dividend yield of 7.91%.
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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.