What sector does Synchrony Financial belong to?

Synchrony Financial operates in the Financials sector, specifically the Consumer Finance industry, and is listed on the US markets.

What is the current share price of SYF?

As of the latest available quote, SYF traded at $75.99. This price is delayed and cached for about 15 minutes.

What is the P/E ratio of SYF?

Synchrony Financial has a price-to-earnings (P/E) ratio of about 7.79. The P/E ratio compares the share price to earnings per share and is most useful when compared with sector peers and the company's own history.

What is the market capitalisation of SYF?

The market capitalisation of Synchrony Financial is approximately $29.09B.

Is Synchrony Financial profitable?

For its latest reported financial year, Synchrony Financial recorded a net profit margin of about 16.37%.

Does SYF pay a dividend?

Synchrony Financial currently has a dividend yield of about 1.59%.

What is the return on equity (ROE) of SYF?

Synchrony Financial has a return on equity (ROE) of about 21.02%. ROE measures how much profit a company generates relative to shareholders' equity.

What is the 52-week high and low of SYF?

Over the past 52 weeks, SYF has traded between a low of $63.08 and a high of $88.77.

Synchrony Financial

SYF US Financials Consumer Finance

S&P 500

$75.99

+0.73%

Delayed · cached 15 min

Fair value analysis

SYF

Synchrony Financial

$75.99

Close used for this calculation

$166.35Fair value

Financial DNA Score

Profitability · Returns · Balance Sheet · Efficiency · Growth

76/100

Profitability19/25

Returns23/25

Balance Sheet11/25

Efficiency23/25

Growth17/25

Strong

Quality radar

Consensus fair value

$166.35

Below FV

▲ +118.9% against the close used

Model range $61.96 – $211.29

The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$61.96Fair value$166.35Bull$211.29

FairClose

52-week traded range

52W low $63.7852W high $88.47

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Synchrony Financial closed at $75.99, 54.3% below the consensus fair value of $166.35 drawn from 9 valuation models.

Financial DNA score 76/100 — Strong. P/E of 8.2x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation

$184.20

+142.4%

Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10

g=9%, r=10%, tg=3%, n=10yr

Graham Number

$102.85

+35.3%

√(22.5 × EPS × BVPS)

EPS=9.28, BVPS=50.66

P/E Fair Value

$185.60

+144.2%

EPS × 20x (sector P/E)

EPS=9.28, Sector P/E=20x

Peter Lynch (PEG)

$107.46

+41.4%

EPS × Growth% (PEG = 1 is fair)

EPS=9.28, g=11.6%

EV/EBITDA

$211.29

+178.0%

(EBITDA × 15.8x − Net Debt) ÷ Shares

EBITDA=5.14B

Dividend Discount (DDM)

$61.96

-18.5%

D1 ÷ (r − g) where D1 = D0×(1+g)

D0=1.15, r=10%, g=8%

Book Value (P/B)

$190.23

+150.3%

BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]

BVPS=50.66, ROE=21%, g=6%, r=10%

Reverse DCF

$75.99

+0.0%

Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV

Implied: -5.1% | Historical: 11.6%

Margin of Safety

$118.16

+55.5%

Avg(DCF, Graham, P/E) × 75% (25% safety buffer)

Avg fair value=157.55, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Fair value analysis

Consensus fair value

Price target range & 52-week position

Valuation summary

All valuation models

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