Synchrony Financial (S1YF34) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Synchrony Financial BRL 122, price BRL 60.96, upside +100.0%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range R$60.96 – R$472.30 · fair‑value band R$91.44 – R$152.40 · the R$60.96 price screens below the R$121.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
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Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
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Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party firms. In addition, the company provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Pandora, Polaris, Suzuki, and Sweetwater. It offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.
Stock analysis
Synchrony Financial (S1YF34) currently trades at R$60.96, while our model-based Fair Value estimate is R$121.92, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of R$561.86 per share, and 10 of the 10 models we run sit above the R$60.96 price.
Bear case: the Dividend Discount group reads lowest at R$83.79, and 0 of the 10 models stay below the price. Evidence for this calculation is medium.
Scenario range: R$91.44 (bear) to R$152.40 (bull), the price of R$60.96 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Synchrony Financial reported revenue of $15.0B in FY2025 versus $11.7B in FY2022, a compound +8.7%/yr. Reported net income was $3.6B in FY2025, compounding +5.6%/yr from FY2022.
Key figures
Market cap R$139B (≈ $26.6B) · P/E ratio 8.3 · P/S ratio 1.96 · EPS (TTM) R$50.04 · Dividend yield 0.3% · Net margin 23.7% · Return on equity 21.8% · Return on assets 3.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 87% below its 52-week high and at its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 100%, S1YF34 screens cheaper than that median.
Fair Value models
Bear R$91.44Fair Value R$121.92Bull R$152.40
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$36.93 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−7.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.7%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 332 stocks
Beats the industry median on 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside+98.5% · Top 25%
Profitability
Return on equity (TTM)21.8% · Top 25%
Return on assets3.0% · Above median
Net margin (TTM)36.4% · Above median
Operating margin (TTM)48.0% · Above median
Growth and dividend
Revenue growth6.1% · Below median
Dividend yield (TTM)0.3% · Bottom 25%
Balance sheet
Debt / equity0.91× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Synchrony Financial Fair Value". https://www.fairvalue-calculator.com/stock/S1YF34
Frequently asked questions
Is Synchrony Financial (S1YF34) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of R$121.92 versus a price of R$60.96, about +100% upside (undervalued).
What is the fair value of S1YF34?
Our model-based fair value for Synchrony Financial is R$121.92 (as of Oct 3, 2026), built from audited fundamentals. The current price: R$60.96.
What is the quality score of S1YF34?
Synchrony Financial has a Quality Score of 69/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Synchrony Financial (S1YF34)?
Our model-based price target is the fair value of R$121.92 (as of Oct 3, 2026) from 10 valuation models. Cautious scenario R$91.44, optimistic scenario R$152.40. It is a calculation from audited fundamentals, not an analyst target.
What is the Synchrony Financial stock forecast for 2026?
Our models put fair value at R$121.92, about +100% upside versus a price of R$60.96 (undervalued). Cautious scenario R$91.44, optimistic scenario R$152.40. The calculation is refreshed regularly with new filings.
What is the revenue of Synchrony Financial (S1YF34)?
Synchrony Financial reported trailing-twelve-month revenue of about $9.9B (latest available figure, as of Oct 3, 2026).
Does Synchrony Financial pay a dividend?
Synchrony Financial currently shows a dividend yield of about 0.29% relative to its recent price (as of Oct 3, 2026).
What is the intrinsic value of Synchrony Financial (S1YF34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Synchrony Financial it is R$121.92 per share (as of Oct 3, 2026), against a price of R$60.96. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Synchrony Financial stock overvalued or undervalued in 2026?
As of Oct 3, 2026, S1YF34 trades below its calculated fair value: price R$60.96, fair value R$121.92, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of S1YF34?
No. The price is what the market pays today (R$60.96); the fair value is what the company's own numbers justify (R$121.92). For Synchrony Financial the two are R$60.96 per share apart. That gap is exactly why we show both numbers side by side.
How much is Synchrony Financial worth?
The market values Synchrony Financial at about R$139B (market capitalisation, as of Oct 3, 2026). Per share that is R$60.96; our models calculate a fair value of R$121.92 per share.
What do the bullish and bearish scenarios say about S1YF34?
Our models span a range for Synchrony Financial: cautious scenario R$91.44, base R$121.92, optimistic R$152.40 per share (as of Oct 3, 2026, price R$60.96). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of S1YF34?
Synchrony Financial trades at a price-to-earnings ratio of 8.3 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$121.92 is built from several models across several years. Other multiples: PEG 0.9.
What is the PEG ratio of S1YF34?
The PEG ratio of Synchrony Financial is 0.95 (P/E divided by earnings growth, as of Oct 3, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Synchrony Financial (S1YF34)?
Balance-sheet figures for Synchrony Financial (as of Oct 3, 2026): return on equity 21.8%, debt of 0.91 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is S1YF34 from its 52-week high?
Synchrony Financial trades at R$60.96, about 87% below its 52-week high of R$472.30 and at the low of R$60.96 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of R$121.92 is for.
Which stocks are comparable to Synchrony Financial?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Synchrony Financial stock attractive at the current price?
The data as of Oct 3, 2026: price R$60.96, calculated fair value R$121.92 (+100%), Quality Score 69/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of S1YF34 calculated?
We run Synchrony Financial through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$121.92, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Synchrony Financial currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Synchrony Financial (S1YF34)?
The closing price on Oct 1, 2026 was R$60.96. Our model-based fair value is R$121.92, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Synchrony Financial right now?
The price is below even our cautious bear case (R$91.44). The market is more pessimistic than our downside scenario. Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Synchrony Financial
How large is the market capitalisation of Synchrony Financial (S1YF34)?
The market capitalisation of Synchrony Financial is R$139B (≈ $26.6B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Synchrony Financial (S1YF34)?
The price-to-sales ratio of Synchrony Financial is 1.96 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Synchrony Financial (S1YF34)?
Earnings per share at Synchrony Financial are R$50.04 (price ÷ EPS = P/E 8.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Synchrony Financial (S1YF34)?
The dividend yield of Synchrony Financial is 0.3% (payout 0.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Synchrony Financial (S1YF34)?
The net margin of Synchrony Financial is 23.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Synchrony Financial (S1YF34)?
The return on equity (ROE) of Synchrony Financial is 21.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Synchrony Financial (S1YF34)?
The return on assets (ROA) of Synchrony Financial is 3.0% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Synchrony Financial (S1YF34)?
The operating margin of Synchrony Financial is 48.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Synchrony Financial (S1YF34)?
Revenue at Synchrony Financial is growing +6.1% versus a year earlier (3y avg +8.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Synchrony Financial (S1YF34)?
Earnings per share at Synchrony Financial are growing +20.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Synchrony Financial (S1YF34) generate?
The free cash flow of Synchrony Financial is $9.9B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Synchrony Financial (S1YF34) carry?
The net debt of Synchrony Financial is $209M (fiscal year 2025, ≈ 0.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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