Synchrony Financial (SYF)
NYSEFinancialsCredit ServicesSnapshot 2026-07-07
$75.52-1.99%
Close 2026-07-07 · 1-day change
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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 13 valuation methods, at three horizons. Current price $75.52. As of 2026-07-08. 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.
A long-thesis check that carries the widest uncertainty of the three horizons.
Around the middle on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
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 $76 SYF trades at 1.6× p/b, below its 1.9× p/b peer median. Our $83 fair value sits above the price. It's a high-confidence read. Analysts target $81–$84. Not investment advice.
$81.00 – $84.00 (median $82.00) · 3 analysts · as of 2026-05-21
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
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-Q1, 2025-Q2, 2025-Q3, 2026-Q1
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).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
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 | $82.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $545.44 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $15.51 | — | — | TTM | high |
| graham number | 12M | $102.52 | — | — | TTM | high |
| Mgmt guidance | 12M | $21.54 | 10.6 | 2.04 | Mgmt | high |
| Peer P/B | 12M | $92.62 | 1.9 | 47.62 | TTM | high |
| Peer P/FCF | 12M | $126.32 | 4.4 | 28.42 | TTM | high |
| Peer P/E | 12M | $103.60 | 10.6 | 9.81 | TTM | high |
| Peer P/S | 12M | $87.71 | 1.3 | 65.47 | TTM | high |
| PEG | 12M | $29.96 | 3.1 | 9.81 | TTM | high |
| residual income | 12M | $66.04 | — | — | TTM | high |
| Own P/E history | 12M | $73.73 | 7.5 | 9.81 | TTM | high |
| triangulated | 12M | $107.34 | 10.6 | 10.16 | Triangulated | high |
| Mgmt guidance | 3Y | $25.07 | 10.6 | 2.37 | Mgmt(prov.) | medium |
| Peer P/B | 3Y | $115.67 | 1.9 | 59.48 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $172.91 | 4.4 | 38.91 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $77.67 | 10.6 | 7.36 | Analyst | medium |
| Peer P/S | 3Y | $44.09 | 1.3 | 32.91 | Analyst | medium |
| PEG | 3Y | $22.47 | 3.1 | 7.36 | Analyst | medium |
| Own P/E history | 3Y | $55.28 | 7.5 | 7.36 | Analyst | medium |
| Mgmt guidance | 5Y | $27.74 | 10.6 | 2.63 | Mgmt(prov.) | high |
| Peer P/B | 5Y | $134.15 | 1.9 | 68.98 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $213.18 | 4.4 | 47.97 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $49.11 | 10.6 | 4.65 | Analyst | high |
| Peer P/S | 5Y | $27.88 | 1.3 | 20.81 | Analyst | high |
| PEG | 5Y | $14.20 | 3.1 | 4.65 | Analyst | high |
| Own P/E history | 5Y | $34.95 | 7.5 | 4.65 | Analyst | high |
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.