Synchrony Financial (SYF) Fair Value 2026

SYF · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.9 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-28, Synchrony Financial (SYF) trades at $78.05, versus a $94.96 median fair value across its 6 active models — 21.7% above the current price. QOC: 8.9/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
SYF
Price
$78.05
Quality Score
8.9/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: ML-RIV suggests +26.7% upside with 58% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is Synchrony Financial (SYF) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Synchrony Financial (SYF) appears undervalued as of : the median of 6 independent fair value estimates is $94.96, 21.7% above the current price of $78.05. Estimates range from $58.40 to $153.97. SYF scores 8.9/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. SYF’s +21.7% gap is narrower than that market norm, and the Credit Services sector median is +15.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Synchrony Financial Stock in 2026? →

What Fair Value Does Each Model Give SYF?

6 Intrinsic Value Models vs. Current Price ($78.05)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $76.28 -2.3%
Ensemble · Medium Conviction
 $91.01 +16.6%
Intrinsic · High Conviction
 $98.90 +26.7%
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What Is SYF's Fair Value Range?

Spread across 6 independent models · $58.40 to $153.97

CirclFi's 6 active models place Synchrony Financial (SYF) between $58.40 and $153.97 per share, a spread of 101% of the median. The median of that range — $94.96 — is the fair value CirclFi publishes for SYF, against a current price of $78.05.

Low · Markov DDMHigh · Regime Cross
$58.40median $94.96$153.97
Where the range comes from
Most bearish modelMarkov DDM$58.40
Most bullish modelRegime Cross-Sectional$153.97
Model agreement4 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for SYF. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on SYF, not a CirclFi price target. How each model works →

What Is Synchrony Financial (SYF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Synchrony Financial's intrinsic value is estimated at $94.96, suggesting a +21.7% median upside from the current price of $78.05. While 4 models see room for appreciation, model agreement is not unanimous as 1 model flags potential overvaluation. Model dispersion is worth noting: Regime Cross targets $153.97 (+97.3%), versus Markov DDM at $58.40 (-25.2%). This +122.4% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About SYF?

6 of 13 models are currently active for SYF. Of these, 4 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for SYF is $94.96 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SYF Rank in Credit Services?

Among 54 Credit Services stocks, SYF ranks #7 by Quality of Company score. CirclFi's QOC score of 8.9/10 evaluates 32 fundamental signals. A score of 8.9 places SYF in the top tier.

See all Most Undervalued Credit Services Stocks →

The Credit Services sector introduces analytical considerations specific to lending environment businesses. For Synchrony Financial, metrics like non-performing loan ratio provide important context that general-purpose valuation models may underweight.

Is SYF a Value Trap?

CirclFi's Value Trap algorithm assigns SYF a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Synchrony Financial. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Synchrony Financial earns a quality score of 8.9/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +122.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SYF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SYF's 6 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Synchrony Financial Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

LXLexinFintech Holdings Ltd.QOC 9.0SEZLSezzle Inc.QOC 8.7QFINQfin Holdings, Inc.QOC 9.0EZPWEZCORP, Inc.QOC 8.6VVisa Inc.QOC 9.0FINVFinVolution GroupQOC 8.6ECPGEncore Capital Group, Inc.QOC 7.8ALLYAlly Financial Inc.QOC 7.1VRMVroom, Inc.QOC 5.0JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: LX · SEZL · QFIN · EZPW · V · FINV · ECPG · ALLY · VRM · JFIN · MA

Which Other Stocks Have a Similar Quality Score to SYF?

7 companies across all industries closest to SYF’s Quality of Company score of 8.9/10.

SAPSAP SEQOC 8.9FXNCFirst National CorporationQOC 8.9FTITechnipFMC plcQOC 8.9PAYPaymentus Holdings, Inc.QOC 8.9HTHTH World Group LimitedQOC 8.9PNRPentair plcQOC 8.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SAP · FXNC · FTI · PAY · HTHT · PNR · NVDA

Where Does SYF Sit in CirclFi's Credit Services Rankings?

SYF is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Synchrony Financial’s Valuation?

What is Synchrony Financial's intrinsic value in 2026?

CirclFi puts Synchrony Financial (SYF)'s intrinsic value at $94.96 — the median of 6 independent model estimates as of 2026-08-28, ranging from $58.40 to $153.97. The Quality of Company score is 8.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SYF overvalued or undervalued right now?

At $78.05, 4 of 6 active models suggest SYF may be undervalued, while 2 indicate potential overvaluation. The median of all 6 fair value estimates is $94.96, 21.7% above the current price of $78.05 — a consensus view that SYF is undervalued. The assessment depends on which methodology best fits Synchrony Financial's business model in Credit Services.

What does a Quality of Company score of 8.9 mean for SYF?

Synchrony Financial's QOC of 8.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on SYF?

CirclFi analyzes SYF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SYF?

Of the 6 models currently active on SYF, Regime Cross-Sectional is the most bullish at $153.97 per share, and Markov DDM is the most bearish at $58.40. CirclFi's published fair value for SYF is the median of that range, $94.96, not either extreme. The gap between the two ends equals 101% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is SYF a value trap in 2026?

Synchrony Financial's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Synchrony Financial (SYF) has a median fair value of $94.96 — 21.7% above the current price of $78.05 — as of 2026-08-28.” Source: circlfi.com/stock/SYF/ · Methodology
Primary sources for this SYF valuation
  • Financial statements: Synchrony Financial 10-K and 10-Q filings on SEC EDGAR (CIK 0001601712) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for SYF as of ; valuations recomputed .

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