Synchrony Financial (SYF) fair value analysis
S&P 500 · Updated 2026-09-07
Synchrony Financial is a consumer financial services company that provides credit products, including credit cards and installment loans, as well as point-of-sale financing solutions to consumers and merchants. The company operates primarily in the United States, offering its services through partnerships with major retailers and brands across various industries.
Forward Fair Value verdict
Fairly valuedBased on TickrTrends' weekly Forward Fair Value model, SYF is trading at within about 10% of estimated fair value.
SYF currently ranks #92 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Fairly valued for 3 consecutive weekly runs.
- Last price
- $79.92
- Sector
- Financial Services
- 12-month range
- $68.32–$84.65
Derived indicators
Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.
- Quality grade
- F
- Margin trend
- Contracting
- Revenue growth
- Declining
- RSI zone
- Neutral
- 52-week position
- The upper-middle quarter of its range
- DCF cross-check
- Undervalued
What our data shows for SYF
- Our model validated 14 trailing price-to-earnings windows for SYF, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $68.32–$84.65.
- The 14-day relative strength index sits at a neutral 54.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for SYF
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
How Forward Fair Value works
TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.
Recent SYF news
TickrTrends' derived news-sentiment signal for SYF is currently leaning positive, computed from recent coverage.
- This Week’s Deep-Value Landscape: Acquirer’s Multiple Large-Cap Screen (acquirersmultiple.com, 2026-09-09)
TickrTrends take: Synchrony Financial operates in the Financial Services sector and currently carries a Fairly valued assessment according to TickrTrends' analysis. Given the company's positioning in this sector, investors focused on valuation metrics should monitor whether SYF maintains this fair valuation status or moves toward undervalued territory, particularly if broader market conditions shift the competitive landscape for financial services companies. The current fair valuation designation suggests the stock is neither significantly discounted nor overpriced relative to its fundamentals, making it a candidate for those seeking equilibrium between price and intrinsic value. - This Week’s Deep-Value Landscape: Acquirer’s Multiple Large-Cap Screen (acquirersmultiple.com, 2026-09-02)
TickrTrends take: Synchrony Financial trades at a valuation that TickrTrends considers fairly valued, positioning it within a market environment where deep-value opportunities are being identified among large-cap acquirers. For investors focused on valuation metrics, the fairly valued assessment suggests the stock may not offer substantial margin of safety at current levels, though it warrants monitoring if market conditions shift the valuation dynamic. As a financial services provider potentially subject to acquisition interest in the current landscape, tracking changes in its relative valuation compared to peers will be important for gauging whether a more compelling entry point may emerge. - Would You Use a Debit Card That Offers 2% Cashback in Bitcoin? This Popular Cryptocurrency Exchange Thinks You Will. (finance.yahoo.com, 2026-08-29)
TickrTrends take: Synchrony Financial's involvement in cryptocurrency-linked financial products reflects the company's efforts to diversify revenue streams beyond traditional credit services, which could support earnings growth if adoption accelerates. At a fairly valued assessment, investors should monitor whether such innovative offerings generate material transaction volumes and fee income, or remain niche products that fail to move the needle on financial results. The sustainability of any competitive advantage in crypto-integrated payment solutions will be important to track, as this space remains highly competitive and regulatory frameworks continue to evolve.
What people are saying
Follow the SYF conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-06 — TickrTrends' derived indicators for SYF moved this week with the sector discount rank declining from number 87 to number 92 among Financial Services companies. The stock maintains a fairly valued assessment according to current valuation metrics. This shift suggests SYF's relative valuation discount within its sector has narrowed compared to the previous week.
- 2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.
Frequently asked questions
Is SYF stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), SYF is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.
What is SYF's TickrTrends verdict?
SYF's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.
How does SYF compare to other Financial Services stocks?
SYF ranks #92 of 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.
Is SYF overbought or oversold?
SYF's 14-day RSI is in neutral territory - neither overbought nor oversold.
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Head-to-head comparisons
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