SYF

Synchrony Financial

Financial ServicesCredit ServicesNASDAQ

$71.44

-$0.56 (-0.78%)today

Conviction

6/ 10

Fair Value$87.04

Upside+21.84%

Signal13.1

Market Cap$25.0B

52W Range$42.10–$88.77

Next EarningsApr 21

Conviction History

Conviction Changes

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

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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

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Bull Case

Synchrony Financial store credit cards; partnerships with Amazon/Walmart sticky; loss provisions normalizing.

Bear Case

Consumer credit stress if recession; private label card concentration; loss rate normalization.

Updated Apr 7

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...