Synchrony Financial

Synchrony Financial

SYFยทNYSE

$68.72

-3.2%
Financial ServicesFinancial - Credit Services

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company 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, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

At a Glance

Live Snapshot
Market Cap$23.12B
EPS9.3500
P/E Ratio7.35
Earnings Date07/21/2026
Synchrony Financial

Synchrony Financial Fair Value Envelope

SYF ยท NYSE

Our analysis suggests that SYF has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $68.72, this represents a potential HIDDEN relative to our calculated worth for Synchrony Financial.

Intrinsic Value
Current Price: $68.72

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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$
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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$144.0B
+ Cash & Equivalents$15.0B
Firm Value$159.0B
- Debt$15.2B
Equity Value$143.8B
/ Shares Outstanding379,246,605B
DCF Value$379
UNDERVALUED BY 452%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
$9.9B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$9.1B
$8.5B
$7.8B
$7.2B
$6.7B
$6.2B
$5.8B
$5.3B
$4.9B
$4.6B
Terminal Value represents 54.0% of Enterprise Value