Synchrony Financial
F:SFE
Decide at what price you'd be comfortable buying and we'll help you stay ready.
|
S
|
Synchrony Financial
F:SFE
|
US |
|
I
|
Ionis Pharmaceuticals Inc
XMUN:ISI
|
US |
Intrinsic Value
The intrinsic value of 
Synchrony Financial (SFE) under the Base Case is 84.73 EUR per share.
Compared with the current market price of 64.84 EUR, the stock appears
Undervalued by 23% .
The intrinsic value is the average of valuations using the DCF method and multiples.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Synchrony Financial Does
Synchrony Financial is a consumer finance company that helps people pay for purchases over time. It mainly issues private-label credit cards and other financing products that are tied to stores, healthcare providers, home-improvement businesses, and other merchants. For shoppers, it is the lender behind the checkout screen; for business partners, it is a way to offer financing without building a lending operation themselves.
- Headquarters
- United States of America US
- Employees
- 20 000
- IPO date
- Jul 31, 2014
Synchrony Financial has no economic moat
Customers and retail partners can choose among many ways to borrow or pay, so Synchrony has no strong barrier keeping them from competing providers. Its cards and financing options compete on features like pricing, rewards, credit limits and service rather than on a hard-to-copy advantage.
Read the full moat analysis
The intrinsic value for Synchrony Financial (SFE) under the Base Case is 84.73 EUR.
Compared with the current market price of 64.84 EUR, the stock appears Undervalued by 23% .