Synchrony Financial — Credit Services. Scored on the same transparent model behind the daily rankings.
★
SYF
Synchrony Financial · Credit Services
FCF$9.7bB+
Rev-0.5%D+
D/E——
P/E8.2xA-
PEG1.14B+
71.4Financial strength
$78.05$25.4B
1Y Target$89.30Analyst consensus · 23 analysts
5Y Target$112.74Compound horizon
10Y Target$144.59Long-dated conviction
FCF$9.7bTTM · 06/26B+
FCF $9.7b — strong cash profile, above most peers · TTM computed from 4 most-recent quarters (TTM · 06/26).
Rev-0.5%FY YoYD+
Revenue -0.5% — shrinking; needs a catalyst to reverse · Computed from last two annual revenue figures (FY YoY).
D/E——
D/E data unavailable — neutral default
P/E8.2xA-
P/E 8.2 — cheaper than most Financial Services peers (≈25th pctile)
PEG1.14B+
PEG 1.14 — near fair value, classic Lynch benchmark (1.0)
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Financial strength · 71.4 / 100
Profitability90.8
Value (P/B)59.2
Income51.3
A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.
Entry · Margin of safety
52-week rangeMid-range
12% off the 12-month high
vs DCF fair value82% belowest. fair value ~$431
What the price assumes: outright free-cash-flow decline for the next decade — vs the ~12% a year our model projects from current growth and analyst estimates.
Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.
Why now
Credit Services · market cap $25.4b. 12% off the 52-week high of $88.77. 23 sell-side analysts rate this a Buy with a mean 1-yr target of $89.30 (implying +14% upside).
Moat
Net margin 36% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $89.30 (23-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $112.74 at ~8% CAGR — dividend + buyback compounding. 10 yr $144.59 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · SYF
Not enough history yet — the model records SYF's score after each daily run, and the chart appears once a few days have accumulated.
SYF at a glance
Every figure here comes from the same audited fundamentals behind the score. Charts drawn from data the score does not use say so on the card.
Analyst estimate revisions
30-day change
+0.1%
90-day change
+0.3%
Forward EPS estimate
$10.51
Over the last 90 days, what analysts expect SYF to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →
Position sizing · SYF
$
%
%
Shares to buy
25
Position size
$1,951
3.9% of portfolio
Stop price
$58.54
25% below $78.05
$ at risk if stopped
$487.81
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Synchrony Financial (SYF): score, valuation & FAQ
Synchrony Financial (SYF) is a Credit Services company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are P/E (A-), FCF (B+) and PEG (B+), while Rev (D+) rate weaker. On valuation, SYF sits about 82% below our discounted-cash-flow fair value (a margin of safety) — the current price implies outright free-cash-flow decline over the next decade.
Is SYF a good stock to buy?
Bull Rankings grades SYF on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A-), FCF (B+) and PEG (B+). A score is a quantitative screen of Synchrony Financial's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade SYF?
As a bank, insurer or REIT, SYF isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A-), FCF (B+) and PEG (B+) and weakest on Rev (D+).
Is SYF overvalued or undervalued?
Based on $78.05, SYF sits about 82% below our discounted-cash-flow fair value (a margin of safety) — the current price implies outright free-cash-flow decline over the next decade. It trades at a 8.2x P/E (graded A-). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in SYF?
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.