Synchrony Financial (SYF) is currently Undervalued by 34.47%

Synchrony Financial (SYF) appears undervalued by approximately 34.47% based on our live valuation percent and intrinsic value estimate derived from DCF, P/E Multiple, and P/S Multiple models. Valuation can still differ across analyst models, growth expectations, and risk assumptions.

Upside (live) 34.47% (from live valuation API)
Confidence (live) 8/10 (High)

Confidence Score is based on the magnitude of upside or downside vs intrinsic value.

Fair value estimate

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Current price

$77.05

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Why is Synchrony Financial overvalued or undervalued?

For Synchrony Financial, intrinsic value ties fair value to sustainable cash generation; with the stock above that level, the snapshot reads as a premium versus fundamentals rather than a pure sentiment call.

Historical valuation for SYF shows cycles where multiples expanded and compressed; today’s positioning rhymes more with growth optimism than the mid-range of its recent history.

Market expectations boil down to growth, risk, and return on capital—current levels bake in strong execution, so disappointments hit harder. Cross-check with live ratios when your API is connected.

Key metrics

P/E ratio: 43.0x
Revenue growth (TTM y/y): 14%
Profit margin: 22.2%
Fair value (model): Unlock

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Frequently asked questions — SYF

Is SYF overvalued right now?

A stock is overvalued when its market price sits above a reasonable fair value range. Use the live snapshot on this page for SYF, then validate with fundamentals and peer multiples.

What is Synchrony Financial's intrinsic value?

Our DCF, P/E Multiple, and P/S Multiple models estimate whether SYF trades above or below fair value. At $77.05, Synchrony Financial currently looks undervalued on this snapshot. Tickerplace Pro unlocks the full dollar fair value estimate.

How is Synchrony Financial's intrinsic value calculated?

Tickerplace calculates SYF's fair value using Discounted Cash Flow (DCF), P/E Multiple, and P/S Multiple models. We compare the resulting intrinsic value estimate to the live market price to flag undervalued or overvalued positioning.

Is SYF undervalued right now?

Based on our 2026 valuation models, Synchrony Financial (SYF) appears undervalued at $77.05 with about 34.5% upside to fair value. Treat this as a screen—verify fundamentals on the company profile.

Peers for SYF: open their overvalued / undervalued view.

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