SYF Synchrony Financial
Financial Services
Price
$78.93
Intrinsic value
$16.80
Buy price
$13.44
Discount
-369.9%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $9,694,000,000.00
- Total debt
- $16,432,000,000.00
- Cash & STI
- $16,193,000,448.00
- Shares out.
- 2,004,600,000
Overvalued
Intrinsic value$16.82
Buy price (with MOS)$13.46
Current price$78.93
Discount to intrinsic value-369.1%
7-step quality scorecard
ROE quality
HIGH_CONSISTENT- Average ROE
- 20.5%
- Current ROE
- 21.2%
- Minimum ROE
- 16.1%
Debt quality
MODERATE- Debt / Equity
- 0.98x
Moat proxy
MODERATE_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 2.82x
Technical chart
Confluence: DOWNTREND (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(revenueCAGR,cfCAGR)+decel_adj
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 21.9%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.