Fair value (multi-method)
Four independent methods triangulate what SYF is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$923.74
Method range
$50.45 – $923.74
median $74.84
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $923.74 | +1,203.98% |
| Exit multiple | $59.94 | -15.39% |
| Analyst target | $89.75 | +26.69% |
| Graham number | $50.45 | -28.78% |
- Forward DCF$923.74
- Exit multiple$59.94
- Analyst target$89.75
- Graham number$50.45
Stock price
$70.84
FCF / share (TTM)
$6.38
3Y FCF CAGR
21.9%
Fair value @ hist. growth
$290.50
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
1.9%
per year over your projection horizon
Margin of safety 75.6% vs hist-growth DCF
Historical 3Y CAGR
21.9%
Your model implies
1.9%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at 22% annual growth.
Cumulative FCF covers the current price by year 6.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 9.4% | -0.6% | -1.0% | -1.5% | -2.1% | -2.6% |
| 10.4% | 1.1% | 0.7% | 0.2% | -0.2% | -0.7% |
| 11.4% | 2.6% | 2.3% | 1.9% | 1.5% | 1.1% |
| 12.4% | 4.1% | 3.8% | 3.5% | 3.1% | 2.8% |
| 13.4% | 5.6% | 5.3% | 5.0% | 4.7% | 4.4% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
0.68
Low vs growth
Net debt
$209M
Total debt − cash
Beta
1.36
Vs market benchmark
Frequently asked questions
Synchrony Financial (SYF) Key Financials
Charts, filings, and peer comparison for every metric
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