---
title: Synchrony Financial (SYF) — intrinsic value and fair price
canonical: https://sweetvaluelab.com/stocks/syf
ticker: SYF
as_of: 2026-10-17
sector: Financial Services
industry: Financial - Credit Services
---
# Synchrony Financial (SYF)

Synchrony Financial (SYF) closed at $73.68 on Oct 16, 2026, undervalued by 41% vs its model value of $125.78 (from its peers' median P/E).

## Key figures

| Figure | Value |
| --- | ---: |
| Last close | $73.68 (Oct 16, 2026) |
| Model value (from its peers' median P/E) | $125.78 |
| Price vs model | undervalued by 41% vs model |
| Range of that model | $89.11 – $178.88 |
| Market value | $24.0B |
| P/E (fiscal 2025) | 7.9 |
| Net margin (fiscal 2025) | 18.6% |
| Free cash flow (fiscal 2025) | — |
| Dividend yield (trailing twelve months) | 1.68% |
| Beta | 1.34 |
| Cost of capital (WACC) | 10.70% |
| Business classification | Mature & Stable (Revenue declining (~0% recent), Currently unprofitable, Pays dividends) |

## On the stock lists

| List | Place | Figure | Page |
| --- | ---: | ---: | --- |
| Lowest P/E | #8 | 7.9× | https://sweetvaluelab.com/lists/lowest-pe |

## Dividends

| Figure | Value |
| --- | ---: |
| Trailing dividend yield | 1.68% |
| Dividends per share, last 12 months | $1.24 |
| Dividends / earnings (fiscal 2025) | 12.0% |
| Raised | 4 years in a row |
| Growth over 5 years | 7.1% a year |
| Latest payment | $0.34, ex-date Aug 5, 2026, paid Aug 17, 2026 |

| Year of payments | Dividends per share |
| --- | ---: |
| To Jul 30, 2021 | $0.88 |
| To Jul 29, 2022 | $0.89 |
| To Jul 28, 2023 | $0.94 |
| To Aug 5, 2024 | $1.00 |
| To Aug 5, 2025 | $1.10 |
| Trailing twelve months (to Aug 5, 2026) | $1.24 |

## Valuation models

Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 17, 2026.

| Model | Role | Value per share | Low | High |
| --- | --- | ---: | ---: | ---: |
| P/TBV · justified | primary | $0.00 | $0.00 | $0.00 |
| P/E · peers | cross check | $125.78 | $89.11 | $178.88 |
| P/E · own history | cross check | $69.37 | $48.39 | $79.00 |
| PEG | sanity check | $93.11 | $93.11 | $93.11 |
| Dividend discount | cross check | $20.42 | $14.63 | $31.03 |

## Insider activity (SEC Form 4)

Past 90 days: 0 open-market buys ($0) and 2 open-market sales ($483,285.3); 10b5-1 plan sales included.

| Date | Insider | Relationship | Transaction | Shares | Value |
| --- | --- | --- | --- | ---: | ---: |
| Sep 30, 2026 | COVIELLO ARTHUR W JR | Director | Grant / award | 846 | $60,040.6 |
| Sep 30, 2026 | Alves Paget Leonard | Director | Grant / award | 846 | $60,040.6 |
| Sep 30, 2026 | AGUIRRE FERNANDO | Director | Grant / award | 846 | $60,040.6 |
| Sep 30, 2026 | COLAO DANIEL O | Director | Grant / award | 846 | $60,040.6 |
| Sep 30, 2026 | NAYLOR JEFFREY G | Director | Grant / award | 1,287 | $91,338.4 |

## Recent SEC filings

| Filed | Form | What | Filing |
| --- | --- | --- | --- |
| Sep 14, 2026 | 8-K | 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1601712/000160171226000037/syf-20260914.htm |
| Aug 17, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1601712/000160171226000035/syf-20260817.htm |
| Jul 31, 2026 | 8-K | 8.01 Other Events; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1601712/000119312526328719/d112401d8k.htm |
| Jul 29, 2026 | 424B5 | Prospectus supplement | https://www.sec.gov/Archives/edgar/data/1601712/000119312526324143/d136124d424b5.htm |
| Jul 28, 2026 | 424B5 | Prospectus supplement | https://www.sec.gov/Archives/edgar/data/1601712/000119312526318996/d136124d424b5.htm |

## Superinvestors holding it (latest 13F)

| Manager | Quarter | Shares | Value |
| --- | --- | ---: | ---: |
| Bill Nygren | 2026-06-30 | 7,446,335 | $566.3M |
| Francis Chou | 2026-06-30 | 223,202 | $17.0M |
| Bridgewater | 2026-06-30 | 153,894 | $11.7M |
| Christopher Bloomstran | 2026-06-30 | 4,437 | $337,434 |

4 tracked managers in all.

## About

Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations. Additionally, Synchrony provides consumer banking services, including a variety of deposit products like certificates of deposit, individual retirement accounts, money market accounts, and savings accounts. These are made available to both individual consumers and commercial entities, with deposits also accepted via external securities brokerage firms. Beyond core credit and banking, Synchrony extends debt cancellation programs to its credit card clientele through online, mobile,…

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Source: https://sweetvaluelab.com/stocks/syf (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.