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Synchrony Financial SYF NYSE

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

SharesGrow Score
70/100
5/7 Pass
SharesGrow Intrinsic Value
$155.90
+106.4%
Analyst Price Target
$90.08
+19.2%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

Synchrony Financial (SYF) trades at a trailing P/E of 7.2, forward P/E of 8.2. Trailing earnings yield is 13.82%, forward earnings yield 12.22%. 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); analyst target implies upside (+19.2%); earnings yield beats bond yields (13.82%).
  • PEG Ratio 0.83 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
  • Trailing Earnings Yield 13.82% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
  • Analyst consensus target $90.08 (+19.2% upside) — significant upside potential according to Wall Street analysts.

Overall SharesGrow Score: 70/100 with 5/7 criteria passed.

SharesGrow 7-Criteria Score
70/100
SG Score
View full scorecard →
VALUE
76/100
Price-to-Earnings & upside
Proven by this page
FUTURE
67/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
~
MOAT
69/100
→ Income
GROWTH
90/100
→ Income
INCOME
70/100
→ Income

Valuation Snapshot — SYF

Valuation Multiples
P/E (TTM)7.2
Forward P/E8.2
PEG Ratio0.83
Forward PEG0.82
P/B Ratio1.53
P/S Ratio1.35
EV/EBITDA5.1
Per Share Data
EPS (TTM)$9.93
Forward EPS (Est.)$9.24
Book Value / Share$46.85
Revenue / Share$53.42
FCF / Share$27.53
Yields & Fair Value
Earnings Yield13.82%
Forward Earnings Yield12.22%
Dividend Yield1.67%
Graham Number$102.29
SharesGrow IV$155.90 (+106.4%)
Analyst Target$90.08 (+19.2%)

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 $9.19 – $9.34 $15.56B $15.19B – $15.9B 14
2027 $10.39 $10.01 – $10.77 $16.34B $15.37B – $16.9B 14
2028 $11.70 $10.44 – $12.82 $17.17B $17.07B – $17.27B 5
2029 $12.29 $11.69 – $12.70 $16.8B $16.17B – $17.24B 1
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