SYF (Synchrony Financial) Margin of Safety % (DCF FCF Based): 85.08% (As of Jun. 24, 2026)


SYF Synchrony Financial SYF
75 GF Score
Price $76.32
GF Value $65.56
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Synchrony Financial Margin of Safety % (DCF FCF Based)?

Synchrony Financial SYF +1.71% 75 Margin of Safety % (DCF FCF Based) is 85.08% as of Jun. 24, 2026. GuruFocus rates SYF with a GF Score™ of 75/100 and a GF Value™ of $65.56 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), Synchrony Financial's Predictability Rank is 3.5-Stars. Synchrony Financial's intrinsic value calculated from the Discounted FCF model is $184.06 and current share price is $76.32. Consequently,

Synchrony Financial's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 85.08%.

SYF vs AFRM, SOFI, ALLY: Margin of Safety % (DCF FCF Based) Comparison

For the Credit Services subindustry, Synchrony Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Synchrony Financial Margin of Safety % (DCF FCF Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Synchrony Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Synchrony Financial's Margin of Safety % (DCF FCF Based) falls into.


SYF
75GF Score
Synchrony Financial SYF
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Synchrony Financial Margin of Safety % (DCF FCF Based) Calculation

Synchrony Financial's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(511.59-76.32)/511.59
=85.08 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 85.08% mean?
Synchrony Financial (SYF) has a Margin of Safety % (DCF FCF Based) of 85.08% as of Jun. 24, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Synchrony Financial.
Is Synchrony Financial's Margin of Safety % (DCF FCF Based) too high?
Synchrony Financial's current Margin of Safety % (DCF FCF Based) is 85.08%. Overall, Synchrony Financial has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Synchrony Financial's Margin of Safety % (DCF FCF Based) compare to AFRM and SOFI?
Synchrony Financial's Margin of Safety % (DCF FCF Based) of 85.08% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Credit Services company?
A good Margin of Safety % (DCF FCF Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Synchrony Financial. Synchrony Financial's current Margin of Safety % (DCF FCF Based) is 85.08%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Synchrony Financial stock overvalued right now?
Based on GuruFocus' analysis, Synchrony Financial (SYF) is currently considered Modestly Overvalued. The stock's GF Value™ is $65.56, compared to a current price of $76.32 — trading 16.4% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 85.08%. Synchrony Financial's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Synchrony Financial (SYF), the current Margin of Safety % (DCF FCF Based) is 85.08% as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Synchrony Financial (SYF) Overvalued in 2026?

Based on GuruFocus' analysis, Synchrony Financial stock appears to be overvalued. The current stock price of $76.32 is trading 16.4% above its estimated GF Value™ of $65.56. GuruFocus considers Synchrony Financial to be Modestly Overvalued.

Key valuation signals for SYF:

  • Margin of Safety % (DCF FCF Based): 85.08%
  • GF Value™: $65.56 vs. price of $76.32 (16.4% above fair value)
  • GF Score™: 75/100 with 2 warning signs

No single metric tells the full story. See the SYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Synchrony Financial Business Description

Address 777 Long Ridge Road, Stamford, CT, USA, 06902
Synchrony Financial, originally a spinoff of GE Capital's retail financing business, is the largest provider of private-label credit cards in the United States by both outstanding receivables and purchasing volume. Synchrony partners with other firms to market its credit products in their physical stores as well as on their websites and mobile applications. Synchrony operates through three segments: retail card (private-label and co-branded general-purpose credit cards), payment solutions (promotional financing for large ticket purchases), and CareCredit (financing for elective healthcare procedures).
75GF Score

Get the complete analysis for SYF

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$76.32
Price
$65.56
GF Value