SYF
Synchrony FinancialFinancial Services · $23.3B market cap
Verdict
Share price
$71.77
close of Oct 3, 2026
Fair value
$197.68
Sticker Price
Payback Price
$79.07
buy price
SYF is On Sale: at $71.77 it trades 9% below its buy price (Payback Price) of $79.07 and 64% below its fair value of $197.68. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). Most of its income comes from lending, so we value it like a bank: on its book value and how much it earns on it.
Business quality
1 of 5 clear the 10% bar. What are the Big Five?
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Create a free accountSuperinvestors
3 of the investors we track hold SYF. In Q2 2026, 1 added. Who we track
Bill Nygren
Oakmark Funds · as of Q2 2026
$566.3M
7,446,335 shares
Francis Chou
Chou Associates · as of Q2 2026
$17.0M
223,202 shares
Christopher Bloomstran
Semper Augustus · as of Q2 2026
$337K
4,437 shares
Moves in Q2 2026
Added: Bill Nygren
Insider activity
Since Jun 30, 2026: no open-market purchases, 4 sales worth $847K and 30 other filings (stock awards, tax withholding and similar). Why purchases matter
Sales
Casellas Alberto
See remarks · 2026-08-13
Sold
$436K
COVIELLO ARTHUR W JR
director · 2026-08-03
Sold
$309K
Gentleman Courtney
See remarks · 2026-08-03
Sold
$55K
Owens Darrell
See remarks · 2026-08-03
Sold
$47K
Other filings
Juel Carol
See remarks · 2026-08-17
Award
$18K
Wenzel Brian J. Sr.
See remarks · 2026-08-17
Award
$22K
COVIELLO ARTHUR W JR
director · 2026-08-17
Award
$1K
COVIELLO ARTHUR W JR
director · 2026-08-17
L-Small
$887
Alves Paget Leonard
director · 2026-08-17
Award
$13K
Show all 30 other filingsShow fewer
Howse Curtis
See remarks · 2026-08-17
Award
$15K
Parker P.W.
director · 2026-08-17
Award
$1K
Zane Ellen M
director · 2026-08-17
Award
$1K
AGUIRRE FERNANDO
director · 2026-08-17
Award
$1K
COLAO DANIEL O
director · 2026-08-17
Award
$1K
Gentleman Courtney
See remarks · 2026-08-17
Award
$6K
NAYLOR JEFFREY G
director · 2026-08-17
Award
$16K
MOTHNER JONATHAN S
See remarks · 2026-08-17
Award
$18K
ELLINGER DEBORAH G
director · 2026-08-17
Award
$808
Richie Laurel
director · 2026-08-17
Award
$11K
DOUBLES BRIAN D
See remarks · 2026-08-17
Award
$81K
Chytil Kamila K
director · 2026-08-17
Award
$1K
GUTHRIE ROY A
director · 2026-08-17
Award
$13K
Tiliakos Amy
See remarks · 2026-08-17
Award
$4K
Owens Darrell
See remarks · 2026-08-17
Award
$6K
Casellas Alberto
See remarks · 2026-08-17
Award
0.782 shares
Casellas Alberto
See remarks · 2026-08-17
Award
$15K
Casellas Alberto
See remarks · 2026-08-13
Option exercise
$183K
Gentleman Courtney
See remarks · 2026-07-31
Tax withholding
$44K
Owens Darrell
See remarks · 2026-07-31
Tax withholding
$37K
Tiliakos Amy
See remarks · 2026-07-31
Tax withholding
$132K
DOUBLES BRIAN D
See remarks · 2026-07-28
Tax withholding
$181K
COVIELLO ARTHUR W JR
director · 2026-06-30
Award
$60K
GUTHRIE ROY A
director · 2026-06-30
Award
$60K
NAYLOR JEFFREY G
director · 2026-06-30
Award
$91K
About Synchrony Financial
Synchrony Financial, along with its various subsidiaries, functions as a leading provider of consumer financial services across the United States. The company offers a comprehensive range of credit products, encompassing diverse credit card options such as private label, co-branded, and general-purpose cards, alongside commercial credit solutions and consumer installment loans for both short and long durations…
Financial - Credit Services
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works