SYF PE Ratio & Valuation,Is SYF Overvalued

SYF Relative Valuation

SYF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SYF is overvalued; if below, it's undervalued.

Historical Valuation

Synchrony Financial (SYF) is now in the Undervalued zone, suggesting that its current forward PE ratio of 9.23 is considered Undervalued compared with the five-year average of 7.18. The fair price of Synchrony Financial (SYF) is between 93.26 to 110.22 according to relative valuation methord. Compared to the current price of 83.36 USD , Synchrony Financial is Undervalued By 10.61%.

Relative Value

Fair Zone

93.26-110.22

Current Price：83.36

10.61%

Undervalued

9.13

0.00

EV/EBITDA

Synchrony Financial. (SYF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Synchrony Financial. (SYF) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

1.97

Synchrony Financial. (SYF) has a current PS of 1.97. The 5-year average PS is 1.56. The thresholds are as follows: Strongly Undervalued below 0.54, Undervalued between 0.54 and 1.05, Fairly Valued between 2.07 and 1.05, Overvalued between 2.07 and 2.58, and Strongly Overvalued above 2.58. The current Forward PS of 1.97 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Synchrony Financial. (SYF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Synchrony Financial. (SYF) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Synchrony Financial (SYF) has a current Price-to-Book (P/B) ratio of 1.91. Compared to its 3-year average P/B ratio of 1.34 , the current P/B ratio is approximately 42.85% higher. Relative to its 5-year average P/B ratio of 1.50, the current P/B ratio is about 27.85% higher. Synchrony Financial (SYF) has a Forward Free Cash Flow (FCF) yield of approximately 32.14%. Compared to its 3-year average FCF yield of 46.25%, the current FCF yield is approximately -30.51% lower. Relative to its 5-year average FCF yield of 41.35% , the current FCF yield is about -22.26% lower.

1.89

P/B

Median3y

1.34

Median5y

1.50

32.14

FCF Yield

Median3y

46.25

Median5y

41.35

Competitors Valuation Multiple

The average P/S ratio for SYF's competitors is , providing a benchmark for relative valuation. Synchrony Financial Corp (SYF) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 2.78%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of SYF increased by 28.02% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 15.55 to 20.65.

The secondary factor is the Revenue Growth, contributed 2.78%to the performance.

Overall, the performance of SYF in the past 1 year is driven by Margin Expansion. Which is more sustainable.

2.78%

5.07B → 5.22B

Revenue Growth

32.80%

15.55 → 20.65

Margin Expansion

-7.56%

9.90 → 9.15

P/E Change

28.02%

65.00 → 83.21

Mkt Cap Growth

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Frequently Asked Questions

Is Synchrony Financial (SYF) currently overvalued or undervalued?

What is Synchrony Financial (SYF) fair value?

SYF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Synchrony Financial (SYF) is between 93.26 to 110.22 according to relative valuation methord.

How does SYF's valuation metrics compare to the industry average?

What is the current P/B ratio for Synchrony Financial (SYF) as of Dec 16 2025?

As of Dec 16 2025, Synchrony Financial (SYF) has a P/B ratio of 1.91. This indicates that the market values SYF at 1.91 times its book value.

What is the current FCF Yield for Synchrony Financial (SYF) as of Dec 16 2025?

As of Dec 16 2025, Synchrony Financial (SYF) has a FCF Yield of 32.14%. This means that for every dollar of Synchrony Financial’s market capitalization, the company generates 32.14 cents in free cash flow.

What is the current Forward P/E ratio for Synchrony Financial (SYF) as of Dec 16 2025?

As of Dec 16 2025, Synchrony Financial (SYF) has a Forward P/E ratio of 9.23. This means the market is willing to pay $9.23 for every dollar of Synchrony Financial’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Synchrony Financial (SYF) as of Dec 16 2025?

As of Dec 16 2025, Synchrony Financial (SYF) has a Forward P/S ratio of 1.97. This means the market is valuing SYF at $1.97 for every dollar of expected revenue over the next 12 months.

SYF Valuation

SYF Valuation

SYF Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Synchrony Financial (SYF) currently overvalued or undervalued?

What is Synchrony Financial (SYF) fair value?

How does SYF's valuation metrics compare to the industry average?

What is the current P/B ratio for Synchrony Financial (SYF) as of Dec 16 2025?

What is the current FCF Yield for Synchrony Financial (SYF) as of Dec 16 2025?

What is the current Forward P/E ratio for Synchrony Financial (SYF) as of Dec 16 2025?

What is the current Forward P/S ratio for Synchrony Financial (SYF) as of Dec 16 2025?