Synchrony Financial (SYF)
Finance Services · Financial Services · $25.4B
Intrinsic Value (Consensus)
$125.87
Current Price
$75.29
Margin of Safety
+67.2%
67.2% Below Intrinsic Value
Value: $126
Price: $75
Valuation Model Estimates
Current Price: $75.29
DCF (Discounted Cash Flow)
$505.60
Graham Number
$101.92
Earnings Power Value
$90.10
Relative Value (P/E)
$185.60
Dividend Discount Model
$17.03
Consensus Value
$125.87
Model Assumptions
Discount Rate
10.3%
Growth Rate
8.5%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
70
Profitability
22/25
Strength
19/25
Valuation
22/25
Growth
7/25
Financial Health Signals
Strong profitability — ROE of 21% (above 20% is excellent)
High free cash flow yield (33.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $9.28
- EPS (Forward)
- $10.07
- Book Value
- $49.75
- P/E Ratio
- 20.0
- Forward P/E
- 18.4
- PEG Ratio
- —
- ROE
- 21.2%
- Debt/Equity
- 91%
- Revenue Growth
- N/A
- Earnings Growth
- 8.5%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance