What Is SYF Fair Value?
Synchrony Financial (SYF) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Synchrony Financial (SYF) has a composite fair value estimate of $269.53 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $73.59, suggesting the stock is undervalued by 266.3%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$269.53
vs. current price of $73.59(+266.3%)
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 →
$531.05
+621.6%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 →
$15.34
-79.2%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 →
$99.68
+35.5%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.
$94.54
+28.5%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 $73.59 is 621.6% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $10.23B | $9.41B |
| Year 2 | $10.79B | $9.14B |
| Year 3 | $11.39B | $8.88B |
| Year 4 | $12.01B | $8.62B |
| Year 5 | $12.68B | $8.37B |
| Year 6 | $13.37B | $8.13B |
| Year 7 | $14.11B | $7.90B |
| Year 8 | $14.89B | $7.67B |
| Year 9 | $15.71B | $7.45B |
| Year 10 | $16.57B | $7.23B |
| Terminal Value | $276.53B | $120.70B |
What Are SYF's Key Financial Metrics?
Earnings & Growth
Current Price
$73.59
EPS (TTM)
$9.77
Forward P/E
7.0
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
$74.00
Average
$87.96
High
$104.00
Upside
+19.5%
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 $269.53. The stock is currently trading at $73.59, 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 $73.59 is 266.3% below our estimated fair value of $269.53.
What do Wall Street analysts say about SYF?
24 analysts cover Synchrony Financial with a consensus rating of "Buy." The average price target is $87.96, ranging from $74.00 to $104.00. This implies 19.5% upside from the current price.