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)
$955.02
Method range
$55.37 – $955.02
median $75.54
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 | $955.02 | +1,211.66% |
| Exit multiple | $61.67 | -15.31% |
| Analyst target | $89.42 | +22.81% |
| Graham number | $55.37 | -23.96% |
- Forward DCF$955.02
- Exit multiple$61.67
- Analyst target$89.42
- Graham number$55.37
Stock price
$72.81
EPS (TTM)
$9.76
5Y EPS CAGR
32.6%
Fair value @ hist. growth
$955.02
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 EPS growth
-4.2%
per year over your projection horizon
Margin of safety 92.4% vs hist-growth DCF
Historical 5Y CAGR
32.6%
Your model implies
-4.2%
Next-year analyst consensus
-4.1%
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.
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% |
|---|---|---|---|---|---|
| 9.2% | -6.5% | -6.9% | -7.4% | -7.8% | -8.3% |
| 10.2% | -5.0% | -5.4% | -5.7% | -6.1% | -6.6% |
| 11.2% | -3.6% | -3.9% | -4.2% | -4.6% | -4.9% |
| 12.2% | -2.2% | -2.5% | -2.8% | -3.1% | -3.4% |
| 13.2% | -0.9% | -1.1% | -1.4% | -1.7% | -2.0% |
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
0.52
Low vs growth
Net debt
$209M
Total debt − cash
Beta
1.31
Vs market benchmark
Annual diluted EPS
Per-share earnings by fiscal year — last 5 years anchor the CAGR reference above.
Frequently asked questions
Synchrony Financial (SYF) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
How this company returns cash to shareholders — buybacks, dividends, and stock splits.