What Is SYF Fair Value?
Synchrony Financial (SYF) fair value estimate using multiple valuation models, updated daily.
As of August 29, 2026, Synchrony Financial (SYF) has a composite fair value estimate of $272.96 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $78.05, suggesting the stock is undervalued by 249.7%.
Data as of August 29, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$272.96
vs. current price of $78.05(+249.7%)
How Is SYF Fair Value Calculated?
Four independent models estimate what SYF is worth. Each uses different inputs and assumptions. The composite blends them by weight.
SYF Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$540.04
+591.9%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$15.85
-79.7%Overvalued
Inputs used
SYF Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$99.21
+27.1%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$93.65
+20.0%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $78.05 is 591.9% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $10.25B | $9.44B |
| Year 2 | $10.84B | $9.18B |
| Year 3 | $11.47B | $8.94B |
| Year 4 | $12.13B | $8.70B |
| Year 5 | $12.83B | $8.47B |
| Year 6 | $13.57B | $8.25B |
| Year 7 | $14.36B | $8.03B |
| Year 8 | $15.18B | $7.81B |
| Year 9 | $16.06B | $7.60B |
| Year 10 | $16.99B | $7.40B |
| Terminal Value | $282.58B | $123.13B |
What Are SYF's Key Financial Metrics?
Earnings & Growth
Current Price
$78.05
EPS (TTM)
$9.75
Forward P/E
7.4
Profit Margin
35.5%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$46.71
Total Debt
16.4B
What Do Analysts Say About SYF?
Low
$78.00
Average
$89.30
High
$104.00
Upside
+14.4%
SYF Fair Value FAQ
What is the fair value of SYF?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), SYF's estimated fair value is $272.96. The stock is currently trading at $78.05, which makes it undervalued by our analysis.
How is SYF's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is SYF overvalued or undervalued?
Based on our analysis, SYF is undervalued. The current price of $78.05 is 249.7% below our estimated fair value of $272.96.
What do Wall Street analysts say about SYF?
23 analysts cover Synchrony Financial with a consensus rating of "Buy." The average price target is $89.30, ranging from $78.00 to $104.00. This implies 14.4% upside from the current price.