SYF

HOLD

Synchrony Financial

Financial Services · Rank #114 · Analyzed Oct 18, 2026

$73.68

Current Price

$298.12

Intrinsic Value

low confidence

Upside/Downside

4/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus2/3 methods agree

Quality Score2/5.0

Framework RatingHOLD

Price vs Intrinsic ValueLow confidence — see rating

Fair Value Range

Low$34.79

Base (IV)$298.12

High$317.29

Entry Points

Conservative$24.35

Moderate$34.79

Aggressive$208.68

⚠️ Warnings

Unusually high FCF yield (40%) — DCF may be unreliable
Financial sector — DCF less reliable (FCF includes reserves/float)
Extreme base-case upside (305%) — verify inputs before trusting

Quality & Moat Breakdown

Return on Equity20.8% → 1.0/1.0

Debt LevelD/E 100 → 0/1.0

Revenue QualityGrowth -0.5%, margin Δ+0.0% → 0/1.0

Moat Strength1.5/5 → 0/1.0

Profit Margins35.5% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.