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Synchrony Financial, (S1YF34) Fair Value & Analysis

Financial Services · BR · Market cap R$120B

PriceR$383.77
Fair ValueR$149.53
Upside-61.0%
Quality91/100
Evidence: High Range R$112.15 – R$186.91

Fair value as of: Jun 24, 2026

Analysis

Synchrony Financial, (S1YF34) currently trades at R$383.77, while our model-based Fair Value estimate is R$149.53 — implying the stock looks roughly 61.0% overvalued today. We read business quality at 91/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 …

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Frequently asked questions

Is Synchrony Financial, (S1YF34) undervalued?
As of Jun 24, 2026, our model estimates a fair value of R$149.53 versus a price of R$383.77 — about −61% (overvalued). Model-based estimate, not financial advice.
What is the fair value of S1YF34?
Our 21-model fair value for Synchrony Financial, is R$149.53 (as of Jun 24, 2026), built from audited fundamentals. The current price is R$383.77.
What is the quality score of S1YF34?
Synchrony Financial, has a Quality Score of 91/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.