Intrinsic Value of S&P & Nasdaq Contact Us

Synchrony Financial SYF-PA NYSE

NYSE • Financial Services • Financial - Credit Services • US • USD

SharesGrow Score
62/100
4/7 Pass
SharesGrow Intrinsic Value
$151.79
+658.9%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

Synchrony Financial (SYF-PA) trades at a trailing P/E of 7.2, forward P/E of 2.2. Trailing earnings yield is 13.83%, forward earnings yield 46.08%. PEG 0.83 (Peter Lynch undervalued ≤1.0). Graham Number is $102.29.

Criteria proven by this page:

  • VALUE (76/100, Pass) — P/E is below market average (7.2); PEG ≤ 1.0 — Peter Lynch undervalued (0.83); earnings yield beats bond yields (13.83%).
  • Forward P/E 2.2 (down from trailing 7.2) — analysts expect earnings to grow, which would improve the valuation.
  • PEG Ratio 0.83 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
  • Trailing Earnings Yield 13.83% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 46.08% as earnings recover.

Overall SharesGrow Score: 62/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score
62/100
SG Score
View full scorecard →
VALUE
76/100
Price-to-Earnings & upside
Proven by this page
FUTURE
20/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
~
MOAT
63/100
→ Income
GROWTH
90/100
→ Income
INCOME
70/100
→ Income

Valuation Snapshot — SYF-PA

Valuation Multiples
P/E (TTM)7.2
Forward P/E2.2
PEG Ratio0.83
Forward PEG0.22
P/B Ratio1.53
P/S Ratio1.35
EV/EBITDA5.1
Per Share Data
EPS (TTM)$9.93
Forward EPS (Est.)$9.23
Book Value / Share$46.85
Revenue / Share$53.42
FCF / Share$27.53
Yields & Fair Value
Earnings Yield13.83%
Forward Earnings Yield46.08%
Dividend Yield1.67%
Graham Number$102.29
SharesGrow IV$151.79 (+658.9%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 13.4 7.11 2.12 2.46 0.71%
2017 15.9 -1.54 2.16 2.23 1.45%
2018 6.2 0.11 1.19 1.15 3.07%
2019 6.4 0.13 1.60 1.55 2.41%
2020 14.8 -0.25 1.61 1.59 2.75%
2021 6.2 0.03 1.92 2.33 2.07%
2022 5.2 -0.32 1.23 1.20 3.02%
2023 7.2 -0.45 1.16 0.93 2.79%
2024 7.4 0.11 1.55 1.24 1.82%
2025 8.4 1.02 1.78 1.56 1.71%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $2.71 $10.97B $2.25B 20.5%
2017 $2.42 $12.37B $1.94B 15.6%
2018 $3.74 $13.28B $2.79B 21%
2019 $5.56 $13.31B $3.75B 28.1%
2020 $2.27 $11.16B $1.39B 12.4%
2021 $7.34 $10.19B $4.22B 41.4%
2022 $6.15 $16.01B $3.02B 18.8%
2023 $5.19 $7.66B $2.24B 29.2%
2024 $8.55 $24.17B $3.5B 14.5%
2025 $9.29 $19.12B $3.55B 18.6%

Analyst Estimates

Year EPS (Avg) EPS Range Revenue (Avg) Revenue Range Analysts
2026 $9.25 $8.86 – $9.53 $15.56B $15.38B – $15.79B 1
2027 $10.39 $9.95 – $10.70 $16.34B $15.47B – $16.84B 1
2028 $11.70 $11.20 – $12.05 $17.17B $16.61B – $17.57B 1
2029 $12.29 $11.77 – $12.66 $16.8B $16.25B – $17.19B 1
Contact Us
🎓
SharesGrow Academy
Learn how to calculate Intrinsic Value and find undervalued stocks.
Weekly live sessions
Send us a message