Historical Valuation
Synchrony Financial (SYF) is now in the Undervalued zone, suggesting that its current forward PE ratio of 9.28 is considered Undervalued compared with the five-year average of 7.21. The fair price of Synchrony Financial (SYF) is between 119.81 to 137.75 according to relative valuation methord. Compared to the current price of 87.73 USD , Synchrony Financial is Undervalued By 26.78%.
Relative Value
Fair Zone
119.81-137.75
Current Price：87.73
26.78%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Synchrony Financial (SYF) has a current Price-to-Book (P/B) ratio of 1.92. Compared to its 3-year average P/B ratio of 1.35 , the current P/B ratio is approximately 42.30% higher. Relative to its 5-year average P/B ratio of 1.50, the current P/B ratio is about 28.48% higher. Synchrony Financial (SYF) has a Forward Free Cash Flow (FCF) yield of approximately 31.98%. Compared to its 3-year average FCF yield of 46.00%, the current FCF yield is approximately -30.48% lower. Relative to its 5-year average FCF yield of 41.29% , the current FCF yield is about -22.55% lower.
P/B
Median3y
1.35
Median5y
1.50
FCF Yield
Median3y
46.00
Median5y
41.29
Competitors Valuation Multiple
AI Analysis for SYF
The average P/S ratio for SYF competitors is 3.40, providing a benchmark for relative valuation. Synchrony Financial Corp (SYF.N) exhibits a P/S ratio of 1.98, which is -41.6% above the industry average. Given its robust revenue growth of 2.78%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for SYF
1Y
3Y
5Y
Market capitalization of SYF increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of SYF in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is SYF currently overvalued or undervalued?
Synchrony Financial (SYF) is now in the Undervalued zone, suggesting that its current forward PE ratio of 9.28 is considered Undervalued compared with the five-year average of 7.21. The fair price of Synchrony Financial (SYF) is between 119.81 to 137.75 according to relative valuation methord. Compared to the current price of 87.73 USD , Synchrony Financial is Undervalued By 26.78% .
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 119.81 to 137.75 according to relative valuation methord.
How does SYF's valuation metrics compare to the industry average?
The average P/S ratio for SYF's competitors is 3.40, providing a benchmark for relative valuation. Synchrony Financial Corp (SYF) exhibits a P/S ratio of 1.98, which is -41.60% above the industry average. Given its robust revenue growth of 2.78%, this premium appears unsustainable.
What is the current P/B ratio for Synchrony Financial (SYF) as of Jan 09 2026?
As of Jan 09 2026, Synchrony Financial (SYF) has a P/B ratio of 1.92. This indicates that the market values SYF at 1.92 times its book value.
What is the current FCF Yield for Synchrony Financial (SYF) as of Jan 09 2026?
As of Jan 09 2026, Synchrony Financial (SYF) has a FCF Yield of 31.98%. This means that for every dollar of Synchrony Financial’s market capitalization, the company generates 31.98 cents in free cash flow.
What is the current Forward P/E ratio for Synchrony Financial (SYF) as of Jan 09 2026?
As of Jan 09 2026, Synchrony Financial (SYF) has a Forward P/E ratio of 9.28. This means the market is willing to pay $9.28 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 Jan 09 2026?
As of Jan 09 2026, Synchrony Financial (SYF) has a Forward P/S ratio of 1.98. This means the market is valuing SYF at $1.98 for every dollar of expected revenue over the next 12 months.