Synchrony Financial
—Price / book
Market cap
—
Tangible equity (USD)
—
Price / tangible book
—
Price / book
—
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.
Decision snapshot: SYF stock price vs GS: inconclusive — current versus $184.40 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 GS's multiple
Implied fair value · at SYF's multiple
Needs SYF P/E.
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.
Lower is better
Lower is better
Profitability edge
Asset efficiency edge
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
Eight 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
—
Tangible equity (USD)
—
Price / tangible book
—
Price / book
—
Net income / ending equity
21.2%
Net income / ending assets
3.0%
Efficiency ratio
—
Price / tangible book
Market cap
$296.93B
Tangible equity (USD)
$118.18B
Price / tangible book
2.51x
Price / book
2.38x
Net income / ending equity
13.7%
Net income / ending assets
0.9%
Efficiency ratio
64.4%
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.
The Goldman Sachs Group, Inc. · 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
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
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 low P/E and historical trading range better reflect its earnings power than the weak growth and messy margin data, then SYF looks like a value-oriented buy because the current price is well below the P/E-implied value and within its own recent range.
On a P/E basis, SYF at 8.5x trades at a steep discount to GS at 20.1x, which mechanically supports the large implied upside to $186.72. However, GS-implied range is extremely wide and the DCF range is far below the current price, so the valuation signals are not aligned.
Supporting Metrics