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 9.40 is considered Undervalued compared with the five-year average of 7.17. The fair price of Synchrony Financial (SYF) is between 93.37 to 110.26 according to relative valuation methord. Compared to the current price of 84.59 USD , Synchrony Financial is Undervalued By 9.4%.
Relative Value
Fair Zone
93.37-110.26
Current Price：84.59
9.4%
Undervalued
9.40
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.
1.98
PS
Synchrony Financial. (SYF) has a current PS of 1.98. 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 1.98 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 1.95. Compared to its 3-year average P/B ratio of 1.34 , the current P/B ratio is approximately 45.49% higher. Relative to its 5-year average P/B ratio of 1.50, the current P/B ratio is about 30.13% higher. Synchrony Financial (SYF) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 46.28%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 41.36% , the current FCF yield is about -100.00% lower.
1.95
P/B
Median3y
1.34
Median5y
1.50
32.02
FCF Yield
Median3y
46.28
Median5y
41.36
Competitors Valuation Multiple
The average P/S ratio for SYF's competitors is 2.88, providing a benchmark for relative valuation. Synchrony Financial Corp (SYF) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 2.78%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of SYF increased by 31.78% 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.
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FAQ
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