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SYF

SELL

Synchrony Financial

Financial Services · Rank #298 · Analyzed Apr 20, 2026

$78.34

Current Price

$347.62

Intrinsic Value

0.0%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus2/3 methods agree
Quality Score2/5.0
Framework RatingSELL
Price vs Intrinsic ValueOvervalued by 0.0%

Fair Value Range

Low$38.59
Base (IV)$347.62
High$440.41

Entry Points

Conservative$38.59
Moderate$193.10
Aggressive$347.62

⚠️ Warnings

  • Unusually high FCF yield (33%) — DCF may be unreliable
  • Financial sector — DCF less reliable (FCF includes reserves/float)
  • Upside capped: raw 462% exceeds 200% — valuation unreliable

Quality & Moat Breakdown

Return on Equity21.3% → 1.0/1.0
Debt LevelD/E 100 → 0/1.0
Revenue QualityGrowth -7.1%, margin Δ+0.0% → 0/1.0
Moat Strength2.0/5 → 0/1.0
Profit Margins36.4% → 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.