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Synchrony Financial
SYFFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $19.12B | 18.6% | $3.56B | $9.84B | N/A |
| 2027 | $19.27B | 18.6% | $3.58B | $9.92B | $9.02B |
| 2028 | $19.42B | 18.6% | $3.61B | $10.00B | $8.27B |
| 2029 | $19.58B | 18.6% | $3.64B | $10.08B | $7.58B |
| 2030 | $19.74B | 18.6% | $3.67B | $10.16B | $6.94B |
| 2031 | $19.89B | 18.6% | $3.70B | $10.24B | $6.36B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $9.29 | 2025-12-31 |
| EPS growth | +8.2% | Forecast years: 5 |
| Future EPS | $13.777 | EPS × (1 + G)^5 |
| Base P/E | 8.4 | P/E |
| Future price | $115.73 | Future EPS × P/E |
| Fair value today | $71.857 | PV @ 10.0% |
| 30% safety price | $50.30 | Margin of safety |
| 50% safety price | $35.928 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $311.83 | $347.16 | $395.33 |
| 10.0% | $275.88 | $301.92 | $335.98 |
| 11.0% | $247.49 | $267.32 | $292.44 |