SYF

Synchrony Financial

Financial ServicesCredit ServicesNASDAQ

$66.15

-$0.40 (-0.60%)today

Conviction

6/ 10

Fair Value$89.22

Upside+34.87%

Signal20.92

Market Cap$23.8B

52W Range$40.54–$88.77

Next EarningsApr 21

Conviction History

Conviction Changes

Mar 19, 2026, 1:08 AM5→6conviction-rescore

Target $92 implies 41% upside vs $65.44 but DCF FV=$23 appears broken/stale. Without valid DCF, cannot validate the upside. Synchrony is largest store-card issuer — thesis depends on consumer credit holding. Macro risk (delinquency trends, loss rates) is a legitimate bear case. Neutral until DCF refreshed.

Price History

FAIR VALUE ANALYSISMonte Carlo · 5,000 runs · 99% valid

Fair Value$94.44

Current Price$66.19

Upside / Down+42.7%

P(Undervalued)94.5%

P(20%+ Up)79.1%

P(15%+ Down)0.3%

Fair Value Distribution — percentile bands

94.5% of simulations place fair value above current price

WHAT IS PRICED IN

Revenue-Based Reverse DCF

-2.2%/yr

±4.3% · revenue growth to justify current price

KEY VALUE DRIVERS

Spearman correlation — what moves this valuation most

Bull Case

Queued for analysis

Eagle will generate this view by the next trading session (~7h).

Bear Case

Queued for analysis

Eagle will generate this view by the next trading session (~7h).

Research Feed

sec_10kMar 3

Conviction: unchanged

SYF 2025 10-K: Credit Quality Inflection, Retailer Payments Surge to .0B

Credit quality improving (NCO -66bps to 5.65%, delinquencies -21bps), but volume flat, active accounts declining. Retailer share +17.6% to $4.0B becoming material. Earnings +1.5% masks efficiency dete...