NYSE · Financial · Credit Services · USA
Synchrony Financial is a large cap company (market value between $10 billion and $200 billion) in the Credit Services industry.
Synchrony Financial is a consumer financial services company providing credit cards, installment loans, and banking products through partnerships with retailers, merchants, and healthcare providers. The company operates five sales platforms serving different customer segments and offers financing solutions via mobile apps, websites, and point-of-sale systems.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Synchrony Financial stock.
Undervalued: intrinsic value $104.97 per share, market price $75.35, margin of safety 28.2% (as of 2026-10-30).
Book value at 1.99x, the multiple a 19.8% return on equity justifies, blended with earnings, values the shares at $104.97; the price of $75.35 is 28% below that value.
Leak Score: 83/100 on 11 of 12 signals (Strong Leak).
17 more funds hold it; the full list is part of the paid plan.
10 more in this industry show a wider margin of safety.
SYF is undervalued (as of the 2026-10-30 close). Book value at 1.99x, the multiple a 19.8% return on equity justifies, blended with earnings, values the shares at $104.97; the price of $75.35 is 28% below that value.
$104.97 per share (as of the 2026-10-30 close), against a market price of $75.35. That is a margin of safety of 28.2%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
83 out of 100, which we rate "Strong Leak", on 11 of 12 value investing signals.