Synchrony Financial
1.46xPrice / book
Market cap
$24.55B
Tangible equity (USD)
—
Price / tangible book
—
Price / book
1.46x
Net income / ending equity
21.2%
Net income / ending assets
3.0%
Efficiency ratio
—
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 ·
Decision snapshot: SYF stock price at discount vs AXP $75.44 current versus $193.51 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at AXP's multiple
Implied fair value · at SYF's multiple
Snapshot Sep 10, 2026, 4:00 PM ET
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Multiple discount
Lower is better
Profitability lag
Asset efficiency lag
Lower is better
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Nine period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / book
Market cap
$24.55B
Tangible equity (USD)
—
Price / tangible book
—
Price / book
1.46x
Net income / ending equity
21.2%
Net income / ending assets
3.0%
Efficiency ratio
—
Price / book
Market cap
$216.58B
Tangible equity (USD)
—
Price / tangible book
—
Price / book
6.47x
Net income / ending equity
32.4%
Net income / ending assets
3.6%
Efficiency ratio
128.7%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
Synchrony Financial · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
AMERICAN EXPRESS CO · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
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LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe SYF’s weak revenue growth and extreme margin readings are temporary data distortions rather than a real deterioration in the business, then SYF looks attractive on a P/E basis because the current 8.2x multiple is far below AXP’s 21.9x and the implied price is well above the current quote.
SYF’s P/E of 8.2x is well below AXP’s 21.9x, which on the provided framework translates into a large implied upside versus the current price. However, the comparison is muddied by extreme and internally inconsistent margin figures, so the valuation gap should be treated as directional rather than definitive.
Supporting Metrics