GROWTH
Top line contracting.
−7.9% YoY versus +19.7% prior. 3y CAGR +13.2%.
−7.9%
Synchrony Financial SYF
Financial Services · Market Cap: $24.7B
Live price unavailable
Fundamentals as of 2026-03-31
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Financial Services · Market Cap: $24.7B
Live price unavailable
Fundamentals as of 2026-03-31
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
The Question
2 of 2 legendary models say BUY SYF.
What would legendary investors pay for SYF?
These figures are not quotes or opinions from Buffett, Graham, Lynch or the other investors. They are our own estimates, computed by applying the intrinsic-value formulas each investor is known for to this company’s financials.
For educational purposes only. Not a recommendation to buy or sell securities.
Mixed — Synchrony Financial has 21.9% ROE but D/E 6.37.
Financial story
Mixed — Synchrony Financial's 21.9% ROE is strong, but its 6.37 debt-to-equity is elevated.
Bottom line: SYF is rated BUY by all 2 legendary models, 40% below avg fair value $126, but earns a B sector grade (60/100) in Financial Services. Whether the premium is justified depends on which lens you trust. Drill into the valuation breakdown and sector ranking for the full picture.
P/E 7.3x — 3% above the 5y median of 7.1x.
SYF is in the Financial Services sector. Sector ranking and peer comparison are in the sector tab.
2 of 2 legendary investor models rate SYF a BUY. Fair value estimates and full investor breakdown are in the valuation tab.
Average fair value across qualifying models: $126. See the per-investor fair-value table in the valuation tab.
SYF trades at 7.9x earnings. Sector context and per-investor signals are in the valuation tab.
SYF and CINF differ on P/E, ROE, and revenue growth. See the full SYF vs CINF compare matrix.
Buffett and Lynch evaluate SYF against their respective frameworks. Per-model fair value and reasoning are in the valuation tab.
See exactly where SYF ranks
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Sign in to see the rankingSYF sits at #17 in Financial Services with a B grade (60/100).
How does SYF compare?
