Synchrony Financial (SYF)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$79.92+0.09%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · SYF
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 12 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $80 SYF trades at 1.6× p/b, in line with its 1.6× p/b peer median, and our $86 fair value agrees. It's a high-confidence read. Analysts target $80–$104. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
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 | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $89.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $626.04 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $15.46 | — | — | TTM | high |
| graham number | 12M | $106.14 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — 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.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$80.00 – $104.00 (median $89.00) · 8 analysts · as of 2026-08-25
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $78.93 |
| 1.6 |
| 50.57 |
| TTM |
| high |
| Peer P/FCF | 12M | $128.87 | 4.4 | 29.02 | TTM | high |
| Peer P/E | 12M | $89.59 | 9.0 | 9.90 | TTM | high |
| Peer P/S | 12M | $94.67 | 1.4 | 67.80 | TTM | high |
| PEG | 12M | $55.42 | 5.6 | 9.90 | TTM | high |
| residual income | 12M | $67.37 | — | — | TTM | high |
| Own P/E history | 12M | $75.79 | 7.7 | 9.90 | TTM | high |
| triangulated | 12M | $93.91 | 9.0 | 10.38 | Triangulated | high |
| Peer P/B | 3Y | $99.68 | 1.6 | 63.87 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $171.71 | 4.4 | 38.66 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $62.35 | 9.0 | 6.89 | Analyst | medium |
| Peer P/S | 3Y | $43.06 | 1.4 | 30.84 | Analyst | medium |
| PEG | 3Y | $38.57 | 5.6 | 6.89 | Analyst | medium |
| Own P/E history | 3Y | $52.74 | 7.7 | 6.89 | Analyst | medium |
| Peer P/B | 5Y | $116.46 | 1.6 | 74.62 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $207.93 | 4.4 | 46.82 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $36.88 | 9.0 | 4.07 | Analyst | high |
| Peer P/S | 5Y | $25.47 | 1.4 | 18.24 | Analyst | high |
| PEG | 5Y | $22.81 | 5.6 | 4.07 | Analyst | high |
| Own P/E history | 5Y | $31.20 | 7.7 | 4.07 | Analyst | high |