#414USNYSE

SYF

Synchrony Financial

$79.85USD

Data as of 2026-09-05

Composite Score56.1Strong

+20

Margin of safety+20%Fair value

Fair value$99.19

Target$178.82

Loss chance45%Neutral

SizeLarge cap

SectorFinancials

Dividend1.70%

TypeCommon stock

Price

Pillar breakdown

0–100 percentile rank against the current universe (sector-relative for Quality / Value / Growth / Profitability)

Financials median (n=257)

Quality
Profit margins & asset efficiency
63
Strong
Financials median (n=257) 50
Value
Price vs fundamentals
50
Average
Financials median (n=257) 52
Growth
Revenue & earnings trajectory
64
Strong
Financials median (n=257) 50
Momentum
Recent price strength
56
Strong
Financials median (n=257) 63
Health
Balance sheet & solvency
48
Average
Financials median (n=257) 55
Profitability
ROE, ROA, ROIC
60
Strong
Financials median (n=257) 51
Technical
Trend & volatility signals
43
Average
Financials median (n=257) 56
Risk
Volatility & drawdown profile
51
Average
Financials median (n=257) 63

025405570100

Exceptional (70+)Strong (55–70)Average (40–55)Weak (25–40)Poor (<25)

Pillars not shown: Sentiment, ML (Phase 5+).

Risk Summary

1 active

Rank gates

Data-quality guard[data_quality_input_corruption]Upstream input out of range (e.g. share-count units) — fair-price methods suppressed (Step 7.5 sanity guard).

These flags keep the raw composite rank (project Rule 16) but forfeit the entered_top5 badge. Two of them — altman_distress and data_quality_input_corruption — additionally force a cautious recommendation; the others act as Top-5 disqualifiers without dictating the buy/hold/sell label on their own.

Fair price check

4 different valuation methods each estimate what SYF should be worth, then we compare to today's price.

Looks undervalued

Models suggest SYF is trading below fair value

Today's price

$79.85

Median fair price

$99.19

+24% vs today's price

Of 4 methods:2 say cheap2 say fair

P/E multiplesUndervalued
thinks it's a bargain — estimates $178.82, about 124% above today
P/B multiplesUndervalued
thinks it's a bargain — estimates $108.04, about 35% above today
Graham (defensive)Fair
thinks it's fairly priced — estimates $90.34, about 13% above today
Residual IncomeFair
thinks it's fairly priced — estimates $76.50, about 4% below today

How to read this: “Cheap” = method's fair price is at least 20% above today. “Fair” = within ±10–20%. “Pricey” = at least 10% below today. Outliers (values more than 5× or less than 0.2× today's price) are excluded.

Fair price ensemble

Median fair: —
Margin of safety(vs fair value): +19.5%
Max (ex-outliers): —
Tangible BVPS: $47.28

Valuation output anomalous

Median of all applicable methods (current price $79.85). Per-method estimates + each method’s cheap/fair/pricey read are in the Fair price check above. Outliers above 5× or below 0.2× current price are excluded from the max but kept in the median. See methodology for the 6-method ensemble + 7 defenses.

Defense layer. Flags mark elevated risk, never confirmed fraud. This model cannot catch every manipulation and decays after publication — weigh it against its stated error rates.

Supporting dataRaw fundamentals & data-quality provenance behind the scores above

Raw fundamentals (SEC EDGAR)

Metric	Value
Market cap	$25.98B
Revenue (TTM)	$523.00M
Net income (TTM)	$3.52B
Operating cash flow (TTM)	$9.69B
CapEx (TTM)	N/A
Free cash flow (TTM)CFO − CapEx	N/A
Total assets	$121.93B
Total liabilities	$105.03B
Stockholders' equity	$16.90B
Cash & equivalents	$16.19B
Shares outstanding	325.37M
EPS (basic)	$10.81
EPS (diluted)	$10.81
P/E ratio (TTM)	7.39

TTM = trailing twelve months. Balance sheet items are point-in-time (latest filing).

Data quality

Latest filed date: 2026-07-23
Latest period end: 2026-07-17
Filing lag: 44 days
Missing metrics: 14(capex, free_cash_flow, gross_profit, operating_income, cost_of_revenue, research_and_development, sga_expense, current_assets, current_liabilities, inventory, accounts_receivable, accounts_payable, short_term_debt, ebitda)