Synchrony Financial (SYF)
NYSE · Financials · market cap 24.03B
Share price
$74.41
At the last nightly close
Intrinsic value
$27.98
A single conservative estimate.
Margin of safety
-62.4%
($27.98 − $74.41) ÷ $74.41
EV / EBIT
n/a
Not ranked: financial sector.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.
The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-08-23.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 14.98B | n/a | 3.55B | 9.38 | n/a |
| 2024-FY | 15.06B | n/a | 3.50B | 8.64 | n/a |
| 2023-FY | 13.63B | n/a | 2.24B | 5.21 | n/a |
| 2022-FY | 11.67B | n/a | 3.02B | 6.19 | n/a |
| 2021-FY | n/a | n/a | 4.22B | 7.34 | n/a |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- Synchrony Financial (SYF) Earnings: Latest Report, Earnings Call & Financialspublic.com
- Why Is Synchrony (SYF) Up 9.4% Since Last Earnings Report? - August 20, 2026 - Zacks.comzacks.com
- Perplexityperplexity.ai
- Synchrony (SYF) Down 8.4% Since Last Earnings Report: Can It Rebound?finance.yahoo.com
- Synchrony Financial (SYF) Stock Price, News, Quote & History - Yahoo Financefinance.yahoo.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on SYF.
Run the board on SYF10 free analyses · no signup, no card
This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.