SYF Valuation
Synchrony Financial
$
70.260
- Overview
- Forecast
- Valuation
- Earnings
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 8.33 is considered Undervalued compared with the five-year average of 7.07. The fair price of Synchrony Financial (SYF) is between 102.11 to 118.14 according to relative valuation methord. Compared to the current price of 70.26 USD , Synchrony Financial is Undervalued By 31.19%.
Relative Value
Fair Zone
102.11-118.14
Current Price：70.26
31.19%
Undervalued
8.33
PE
1Y
3Y
5Y
Trailing
Forward
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.
1.77
PS
Synchrony Financial. (SYF) has a current PS of 1.77. The 5-year average PS is 1.53. The thresholds are as follows: Strongly Undervalued below 0.51, Undervalued between 0.51 and 1.02, Fairly Valued between 2.04 and 1.02, Overvalued between 2.04 and 2.55, and Strongly Overvalued above 2.55. The current Forward PS of 1.77 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 1.72. Compared to its 3-year average P/B ratio of 1.29 , the current P/B ratio is approximately 33.71% higher. Relative to its 5-year average P/B ratio of 1.47, the current P/B ratio is about 16.95% higher. Synchrony Financial (SYF) has a Forward Free Cash Flow (FCF) yield of approximately 36.41%. Compared to its 3-year average FCF yield of 47.17%, the current FCF yield is approximately -22.80% lower. Relative to its 5-year average FCF yield of 42.50% , the current FCF yield is about -14.33% lower.
1.72
P/B
Median3y
1.29
Median5y
1.47
36.41
FCF Yield
Median3y
47.17
Median5y
42.50
Competitors Valuation Multiple
The average P/S ratio for SYF's competitors is 4.52, providing a benchmark for relative valuation. Synchrony Financial Corp (SYF) exhibits a P/S ratio of 1.77, which is -60.93% above the industry average. Given its robust revenue growth of 2.69%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Performance Decomposition
1Y
3Y
5Y
Market capitalization of SYF increased by 41.81% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 13.21 to 19.34.
The secondary factor is the Revenue Growth, contributed 2.69%to the performance.
Overall, the performance of SYF in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
Is Synchrony Financial (SYF) currently overvalued or undervalued?
Synchrony Financial (SYF) is now in the Undervalued zone, suggesting that its current forward PE ratio of 8.33 is considered Undervalued compared with the five-year average of 7.07. The fair price of Synchrony Financial (SYF) is between 102.11 to 118.14 according to relative valuation methord. Compared to the current price of 70.26 USD , Synchrony Financial is Undervalued By 31.19% .
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 Jul 31 2025?
What is the current FCF Yield for Synchrony Financial (SYF) as of Jul 31 2025?
What is the current Forward P/E ratio for Synchrony Financial (SYF) as of Jul 31 2025?