QuarterlyIQ Insights · SYF
Price
Price, valuation, and the composite score on the same time axis. Scroll over the price chart to zoom.
Price
Daily closes. Earnings/event dots inline.
What it's worth (estimated)
A consensus fair price across 8 valuation methods, at three horizons. Current price $72.31. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
Long-thesis check; widest uncertainty.
By method
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Conf. |
|---|---|---|---|---|---|---|
| Mgmt guidance | 12M | $29.51 | 14.5 | 2.04 | Mgmt | 29 |
| Peer P/B | 12M | $97.38 | 2.0 | 47.62 | TTM | 29 |
| Peer P/FCF | 12M | $363.21 | 12.8 | 28.42 | TTM | 29 |
| Peer P/E | 12M | $141.89 | 14.5 | 9.81 | TTM | 29 |
| Peer P/S | 12M | $201.00 | 3.1 | 65.31 | TTM | 29 |
| PEG | 12M | $65.02 | 6.6 | 9.81 | TTM | 29 |
| Own P/E history | 12M | $70.91 | 7.2 | 9.81 | TTM | 29 |
| triangulated | 12M | $148.31 | 14.5 | 10.25 | Triangulated | 29 |
| Mgmt guidance | 3Y | $33.55 | 14.5 | 2.32 | Mgmt(prov.) | 5 |
| Peer P/B | 3Y | $121.62 | 2.0 | 59.48 | Hist. CAGR(prov.) | 5 |
| Peer P/FCF | 3Y | $497.19 | 12.8 | 38.91 | Hist. CAGR(prov.) | 5 |
| Peer P/E | 3Y | $161.34 | 14.5 | 11.15 | Analyst | 5 |
| Peer P/S | 3Y | $105.05 | 3.1 | 34.13 | Analyst | 5 |
| PEG | 3Y | $73.93 | 6.6 | 11.15 | Analyst | 5 |
| Own P/E history | 3Y | $80.62 | 7.2 | 11.15 | Analyst | 5 |
| Mgmt guidance | 5Y | $36.55 | 14.5 | 2.53 | Mgmt(prov.) | 0 |
| Peer P/B | 5Y | $141.05 | 2.0 | 68.98 | Hist. CAGR(prov.) | 0 |
| Peer P/FCF | 5Y | $612.95 | 12.8 | 47.97 | Hist. CAGR(prov.) | 0 |
| Peer P/E | 5Y | $175.75 | 14.5 | 12.15 | Analyst | 0 |
| Peer P/S | 5Y | $68.16 | 3.1 | 22.15 | Analyst | 0 |
| PEG | 5Y | $80.54 | 6.6 | 12.15 | Analyst | 0 |
| Own P/E history | 5Y | $87.83 | 7.2 | 12.15 | Analyst | 0 |
Composite score history
Daily snapshots of the composite. Zero is the dotted line. Above it leans positive.
P/E history
Monthly trailing P/E with quartile reference lines.
Composite score history currently shows a rolling 60-day window. We're extending it back through full coverage and adding a “consensus-then vs. actual-now” overlay (what our valuation estimate said on a past date versus where the price actually landed).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.