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SYF

HOLD

Synchrony Financial

Financial Services · Rank #124 · Analyzed Jul 13, 2026

$72.44

Current Price

$219.75

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$33.65
Base (IV)$219.75
High$680.85

Entry Points

Conservative$23.55
Moderate$33.65
Aggressive$153.83

⚠️ Warnings

  • Unusually high FCF yield (40%) — DCF may be unreliable
  • Financial sector — DCF less reliable (FCF includes reserves/float)
  • DCF/EPV diverge 6.9x — earnings power and cash flow disagree; fair value is low-confidence (blended conservatively)
  • Extreme base-case upside (203%) — verify inputs before trusting

Quality & Moat Breakdown

Return on Equity21.8% → 1.0/1.0
Debt LevelD/E 100 → 0/1.0
Revenue QualityGrowth -0.5%, 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.