SYF · Intrinsic value
Is Synchrony Financial (SYF) overvalued or undervalued?
Synchrony Financial (SYF) trades at the delayed market price of $74.07 a share. That price already implies revenue growth of −17.5% a year for 5 years. TickerWorth's fair value is $146.82 a share (priced within our range of $70.41 – $184.73). We do not call it over- or undervalued from inside our range.
Model by Miraaj Patel · generated from market data · Updated Oct 19, 2026 · How these pages are made
Is SYF fairly valued?
- Fair value
- $146.82
- Market price
- $74.07
- Upside to fair value
- +98.2%
- Verdict
- Priced within our range of $70.41 – $184.73
Reverse DCF: Today's price implies revenue growth of −17.5% a year for 5 years; our model assumes 2.3% a year on average over the same horizon.
What is SYF's TickerWorth Score?
Scores higher than almost every company we compare it with
Compared with Financial Services companies in US
Its strongest point: trades below our estimate of what it's worth. Its weakest: growth is slow or negative.
- Value · 76 of 100
Cheaper than 76% of Financial Services companies in US
- Price vs worth · 100 of 100
- Quality · 80 of 100
More profitable than 80% of Financial Services companies in US
- Financial health · 55 of 100
Financially stronger than 55% of Financial Services companies in US
- Growth · 20 of 100
Growing faster than 20% of Financial Services companies in US
- Momentum · 44 of 100
Outperformed 44% of Financial Services companies in US over the past year
Confidence: High confidence · Scored
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SYF DCF valuation, input by input
TickerWorth's fair value for Synchrony Financial (SYF) is $146.82 a share, against the delayed market price of $74.07 (priced within our range of $70.41 – $184.73). We do not call it over- or undervalued from inside our range. It is a model estimate, and every input behind it is sourced below. This is an educational model, not a price target or a recommendation.
Read the full reasoning
One of the lenses behind that blended figure is a discounted-cash-flow model, which on its own values SYF at about $184.73 per share. The rest of this page walks through that DCF — its assumptions, reverse-DCF and discount-rate sensitivity — because it is the auditable anchor of the blend.
The valuation discounts Synchrony Financial's projected free cash flows at a weighted-average cost of capital (WACC) of 9.1%, with a long-run terminal growth rate of 2.5%. About 73% of the enterprise value comes from the terminal value — the portion beyond the explicit forecast window — which is typical for a stable, cash-generative business and a reminder that small changes in the discount rate or terminal growth assumption swing the intrinsic value meaningfully.
Running the DCF in reverse — solving for the growth the current price already assumes — the market is implying roughly -17.5% annual revenue growth for SYF. Our base case instead compounds to about 2.3% a year over the same forecast, so the market is pricing in slower growth than our base case. The reverse-DCF is a quick sanity check: it reframes 'is this stock cheap?' as 'do I believe the growth the price requires?' rather than arguing over a single point estimate of fair value.
Sensitivity matters more than any single number. Across a reasonable band of discount-rate assumptions, SYF's modeled DCF value ranges from about $137.92 to $288.15 per share. If that range still sits below today's price, the market is optimistic relative to the model across the whole band; if it brackets the price, the stock is roughly fairly valued on our assumptions. Use the interactive slider to see exactly where your own cost-of-capital view lands.
How to read this page: the DCF fair value is what Synchrony Financial would be worth if its cash flows grow as modeled and are discounted at the stated WACC. The assumptions table shows every input and its source; the reverse-DCF shows what the market believes; the sensitivity band shows how fragile the answer is. None of this is investment advice — it is a transparent, auditable framework for forming your own view of SYF's intrinsic value. Figures update as new filings and prices come in.
Every input behind SYF's DCF
| Input | Value |
|---|---|
| Base-year revenueLive feed — totalRevenue (TTM) | $9,908,000,000 |
| Base EBIT marginComputed — trailing operatingMargins, held roughly flat | 50.2% |
| Forecast revenue growthESTIMATEAssumption — TickerWorth's 5-year explicit forecast | 1% → 1% → 2% → 3% → 4% |
| Risk-free rateLive feed — US 10-year Treasury yield (^TNX) | 5.1% |
| BetaLive feed — yfinance, 5-year monthly beta vs the S&P 500 (clamped to 0.4–2.5) | 1.34 |
| Terminal growthESTIMATEAssumption — TickerWorth house default 2.5%, held below WACC | 2.5% |
| Diluted sharesLive feed — sharesOutstanding | 325M |
| Market priceLast known price · as of 2026-10-19 21:02 UTC | $74.06 |
Change SYF's assumptions
The discount-rate dial and the editable model
ProChange growth, margin and WACC yourself — Pro (7-day free trial, card required).
What does Synchrony Financial do?
What does it do?
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It operates in the Credit Services industry (Financial Services sector), headquartered in United States. The company employs roughly 20,000 people.
How does it make money?
The business turns $9.9B in annual revenue into profit. Out of every $100 of sales, about $50 is left as operating profit (operating margin of 50.2%), after a 0% gross margin on the products/services it sells. After all costs, taxes and interest, 35.5% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks mixed: is currently profitable.
Who at SYF filed insider trades?
| Date | Insider | Relationship | What happened | Value | Filing |
|---|---|---|---|---|---|
| COVIELLO ARTHUR W JR | Director | Grant / award | $60,040.62 | Form 4 for COVIELLO ARTHUR W JR (opens sec.gov in a new tab) | |
| Alves Paget Leonard | Director | Grant / award | $60,040.62 | Form 4 for Alves Paget Leonard (opens sec.gov in a new tab) | |
| AGUIRRE FERNANDO | Director | Grant / award | $60,040.62 | Form 4 for AGUIRRE FERNANDO (opens sec.gov in a new tab) | |
| COLAO DANIEL O | Director | Grant / award | $60,040.62 | Form 4 for COLAO DANIEL O (opens sec.gov in a new tab) | |
| NAYLOR JEFFREY G | Director | Grant / award | $91,338.39 | Form 4 for NAYLOR JEFFREY G (opens sec.gov in a new tab) | |
| Zane Ellen M | Director | Grant / award | $60,040.62 | Form 4 for Zane Ellen M (opens sec.gov in a new tab) |
A disclosure, not a signal to trade. Source: SEC EDGAR (Form 4). Older filings and the 90-day buying-and-selling read are part of Pro. See plans
Common questions
What is SYF's intrinsic value?
TickerWorth's blended fair value for Synchrony Financial (SYF) is $146.82 per share, versus a market price of $74.07 (priced within our range of $70.41 – $184.73).
Is SYF overvalued or undervalued?
Priced within our range of $70.41 – $184.73 at $74.07. We don't call SYF overvalued or undervalued from a range. This is an educational estimate, not advice.
What discount rate is used for SYF?
A WACC of 9.1% and a terminal growth rate of 2.5%.
Is Synchrony Financial stock undervalued?
TickerWorth's fair value for Synchrony Financial (SYF) is $146.82 against a market price of $74.07. Our read: Priced within our range of $70.41 – $184.73. This is a model estimate, not investment advice.
Synchrony Financial (SYF) DCF valuation and fair value
Our fair value for Synchrony Financial (SYF) is $146.82, built on a 9.1% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.
What growth is priced into Synchrony Financial stock?
Today's price implies revenue growth of −17.5% a year for 5 years; our model assumes 2.3% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of $74.07. A model estimate, not investment advice.
Synchrony Financial (SYF) insider trading
The most recent insider filing (SEC Form 4) for Synchrony Financial (SYF): COVIELLO ARTHUR W JR, Director, grant / award on 2026-09-30. The latest filings are listed on this page. A disclosure, not a signal to trade.
Not investment advice. TickerWorth Score is a model output.
Educational tool. Every output reflects the assumptions shown — not a prediction and not investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public filings and market data that can be wrong.